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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 | $102,429-27.3% | $147,096-49.4% | $80,925-7.9% |
| Participation rate | 92.1% | 75.9%+16.2pp | 82.2%+9.9pp | 67.7%+24.4pp |
| Annual return | 11.31% | 135.02%-123.7pp | 419.75%-408.4pp | 35.65%-24.3pp |
| Employer contribution / active EE | $6,903 | $3,716+85.8% | $4,936+39.8% | $2,756+150.4% |
| Participant deferral / active EE | $5,590 | $6,649-15.9% | $8,071-30.7% | $4,299+30.1% |
| Admin fee / account holder | $5,517 | $7,957-30.7% | $13,005-57.6% | $6,940-20.5% |