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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 | $111,878-20.5% | $93,727-5.1% | $145,897-39.0% |
| Participation rate | 89.5% | 74.2%+15.3pp | 68.7%+20.8pp | 80.3%+9.2pp |
| Annual return | 7.36% | 204.28%-196.9pp | 133.83%-126.5pp | 552.29%-544.9pp |
| Employer contribution / active EE | $1,677 | $3,092-45.8% | $2,421-30.7% | $4,663-64.0% |
| Participant deferral / active EE | $7,012 | $4,920+42.5% | $4,417+58.7% | $6,689+4.8% |
| Admin fee / account holder | $26,851 | $10,256+161.8% | $8,292+223.8% | $13,390+100.5% |