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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 | $183,516-56.3% | $155,534-48.5% | $145,884-45.1% |
| Participation rate | 83.3% | 82.7%+0.6pp | 78.2%+5.1pp | 80.3%+3.0pp |
| Annual return | 3.27% | 61.43%-58.2pp | 64.92%-61.7pp | 551.85%-548.6pp |
| Employer contribution / active EE | $7,398 | $5,315+39.2% | $4,675+58.3% | $4,662+58.7% |
| Participant deferral / active EE | $5,167 | $6,467-20.1% | $5,630-8.2% | $6,690-22.8% |
| Admin fee / account holder | $4,477 | $19,293-76.8% | $15,900-71.8% | $13,392-66.6% |