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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 | $99,573 | $70,366+41.5% | $66,674+49.3% | $138,895-28.3% |
| Participation rate | 75.0% | 76.2%-1.2pp | 73.7%+1.3pp | 79.9%-4.9pp |
| Annual return | 10.03% | 386.41%-376.4pp | 321.24%-311.2pp | 145.39%-135.4pp |
| Employer contribution / active EE | $6,500 | $2,765+135.1% | $2,620+148.1% | $4,194+55.0% |
| Participant deferral / active EE | $4,525 | $4,374+3.5% | $4,084+10.8% | $6,396-29.3% |
| Admin fee / account holder | $502 | $5,262-90.5% | $5,098-90.2% | $12,562-96.0% |