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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $87,653 | $115,810-24.3% | $101,271-13.4% | $158,966-44.9% |
| Participation rate | 95.5% | 79.4%+16.1pp | 75.8%+19.6pp | 82.0%+13.5pp |
| Annual return | 6.49% | 56.15%-49.7pp | 46.48%-40.0pp | 302.95%-296.5pp |
| Employer contribution / active EE | $3,577 | $4,175-14.3% | $3,660-2.3% | $4,762-24.9% |
| Participant deferral / active EE | $9,053 | $4,958+82.6% | $4,371+107.1% | $5,983+51.3% |
| Admin fee / account holder | $3,625 | $7,248-50.0% | $5,948-39.0% | $11,250-67.8% |