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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 | $76,096 | $114,119-33.3% | $107,187-29.0% | $138,895-45.2% |
| Participation rate | 76.9% | 78.1%-1.2pp | 75.0%+1.9pp | 79.9%-3.0pp |
| Annual return | 10.47% | 273.21%-262.7pp | 204.55%-194.1pp | 145.39%-134.9pp |
| Employer contribution / active EE | $7,867 | $4,059+93.8% | $3,782+108.0% | $4,194+87.6% |
| Participant deferral / active EE | $2,401 | $5,538-56.6% | $5,096-52.9% | $6,396-62.5% |
| Admin fee / account holder | $20,074 | $10,024+100.3% | $9,162+119.1% | $12,562+59.8% |