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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 | $86,264 | $104,937-17.8% | $84,628+1.9% | $152,897-43.6% |
| Participation rate | 80.0% | 74.8%+5.2pp | 68.2%+11.8pp | 82.5%-2.5pp |
| Annual return | 5.07% | 373.88%-368.8pp | 258.80%-253.7pp | 345.43%-340.4pp |
| Employer contribution / active EE | $1,571 | $3,303-52.4% | $2,653-40.8% | $4,764-67.0% |
| Participant deferral / active EE | $5,686 | $4,690+21.2% | $3,900+45.8% | $5,851-2.8% |
| Admin fee / account holder | $5,567 | $6,243-10.8% | $4,914+13.3% | $11,599-52.0% |