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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 | $70,366+19.0% | $66,674+25.5% | $138,895-39.7% |
| Participation rate | 90.0% | 76.2%+13.8pp | 73.7%+16.3pp | 79.9%+10.1pp |
| Annual return | 11.66% | 386.41%-374.7pp | 321.24%-309.6pp | 145.39%-133.7pp |
| Employer contribution / active EE | $2,997 | $2,765+8.4% | $2,620+14.4% | $4,194-28.5% |
| Participant deferral / active EE | $5,171 | $4,374+18.2% | $4,084+26.6% | $6,396-19.2% |
| Admin fee / account holder | $2,305 | $5,262-56.2% | $5,098-54.8% | $12,562-81.7% |