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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 | $83,701 | $72,071+16.1% | $68,368+22.4% | $137,256-39.0% |
| Participation rate | 90.0% | 76.2%+13.8pp | 73.8%+16.2pp | 80.0%+10.0pp |
| Annual return | 11.66% | 353.14%-341.5pp | 292.57%-280.9pp | 220.34%-208.7pp |
| Employer contribution / active EE | $2,997 | $2,788+7.5% | $2,649+13.1% | $4,156-27.9% |
| Participant deferral / active EE | $5,171 | $4,410+17.3% | $4,123+25.4% | $6,407-19.3% |
| Admin fee / account holder | $2,305 | $5,336-56.8% | $5,150-55.2% | $12,270-81.2% |