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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 | $88,928 | $111,814-20.5% | $93,654-5.0% | $145,959-39.1% |
| Participation rate | 89.5% | 74.2%+15.3pp | 68.7%+20.8pp | 80.3%+9.2pp |
| Annual return | 7.36% | 203.30%-195.9pp | 133.34%-126.0pp | 561.95%-554.6pp |
| Employer contribution / active EE | $1,677 | $3,092-45.8% | $2,421-30.7% | $4,661-64.0% |
| Participant deferral / active EE | $7,012 | $4,914+42.7% | $4,413+58.9% | $6,689+4.8% |
| Admin fee / account holder | $26,851 | $10,246+162.0% | $8,282+224.2% | $13,398+100.4% |