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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 | $65,991 | $166,131-60.3% | $164,975-60.0% | $145,877-54.8% |
| Participation rate | 87.5% | 82.0%+5.5pp | 78.6%+8.9pp | 80.3%+7.2pp |
| Annual return | 2.97% | 100.37%-97.4pp | 70.12%-67.2pp | 551.28%-548.3pp |
| Employer contribution / active EE | $7,212 | $5,276+36.7% | $4,343+66.1% | $4,663+54.7% |
| Participant deferral / active EE | $20,409 | $6,962+193.2% | $6,033+238.3% | $6,691+205.0% |
| Admin fee / account holder | $5,240 | $16,648-68.5% | $12,688-58.7% | $13,402-60.9% |