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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 | $31,503 | $111,535-71.8% | $105,223-70.1% | $137,256-77.0% |
| Participation rate | 91.7% | 78.1%+13.6pp | 75.0%+16.6pp | 80.0%+11.7pp |
| Annual return | 8.38% | 237.85%-229.5pp | 180.65%-172.3pp | 220.34%-212.0pp |
| Employer contribution / active EE | $5,346 | $3,939+35.7% | $3,689+44.9% | $4,156+28.6% |
| Participant deferral / active EE | $6,722 | $5,500+22.2% | $5,072+32.5% | $6,407+4.9% |
| Admin fee / account holder | $1,432 | $9,721-85.3% | $8,859-83.8% | $12,270-88.3% |