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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 | $90,750 | $166,242-45.4% | $165,071-45.0% | $145,884-37.8% |
| Participation rate | 83.3% | 82.0%+1.3pp | 78.6%+4.7pp | 80.3%+3.0pp |
| Annual return | 8.47% | 100.44%-92.0pp | 70.17%-61.7pp | 551.85%-543.4pp |
| Employer contribution / active EE | $1,941 | $5,283-63.3% | $4,347-55.4% | $4,662-58.4% |
| Participant deferral / active EE | $7,524 | $6,964+8.0% | $6,035+24.7% | $6,690+12.5% |
| Admin fee / account holder | $583 | $16,658-96.5% | $12,695-95.4% | $13,392-95.6% |