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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 | $91,262 | $115,814-21.2% | $101,275-9.9% | $158,982-42.6% |
| Participation rate | 80.0% | 79.4%+0.6pp | 75.8%+4.2pp | 82.0%-2.0pp |
| Annual return | 1.55% | 56.16%-54.6pp | 46.48%-44.9pp | 302.99%-301.4pp |
| Employer contribution / active EE | $2,821 | $4,176-32.4% | $3,660-22.9% | $4,763-40.8% |
| Participant deferral / active EE | $7,456 | $4,958+50.4% | $4,371+70.6% | $5,983+24.6% |
| Admin fee / account holder | $989 | $7,249-86.4% | $5,948-83.4% | $11,252-91.2% |