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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 | $80,108 | $183,592-56.4% | $155,574-48.5% | $145,877-45.1% |
| Participation rate | 83.3% | 82.7%+0.6pp | 78.2%+5.1pp | 80.3%+3.0pp |
| Annual return | 3.27% | 61.37%-58.1pp | 64.87%-61.6pp | 551.28%-548.0pp |
| Employer contribution / active EE | $7,398 | $5,317+39.1% | $4,676+58.2% | $4,663+58.7% |
| Participant deferral / active EE | $5,167 | $6,466-20.1% | $5,629-8.2% | $6,691-22.8% |
| Admin fee / account holder | $4,477 | $19,316-76.8% | $15,914-71.9% | $13,402-66.6% |