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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 | $74,495 | $102,422-27.3% | $147,117-49.4% | $80,959-8.0% |
| Participation rate | 92.1% | 75.9%+16.2pp | 82.2%+9.9pp | 67.7%+24.4pp |
| Annual return | 11.31% | 135.16%-123.8pp | 420.54%-409.2pp | 35.67%-24.4pp |
| Employer contribution / active EE | $6,903 | $3,717+85.7% | $4,932+39.9% | $2,757+150.4% |
| Participant deferral / active EE | $5,590 | $6,652-16.0% | $8,065-30.7% | $4,300+30.0% |
| Admin fee / account holder | $5,517 | $7,953-30.6% | $12,993-57.5% | $6,925-20.3% |