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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 | $116,658 | $112,131+4.0% | $95,964+21.6% | $158,982-26.6% |
| Participation rate | 87.5% | 79.0%+8.5pp | 77.1%+10.4pp | 82.0%+5.5pp |
| Annual return | 2.14% | 171.19%-169.0pp | 91.64%-89.5pp | 302.99%-300.8pp |
| Employer contribution / active EE | $844 | $3,199-73.6% | $2,541-66.8% | $4,763-82.3% |
| Participant deferral / active EE | $6,920 | $4,784+44.6% | $4,167+66.1% | $5,983+15.6% |
| Admin fee / account holder | $4,009 | $10,136-60.4% | $6,797-41.0% | $11,252-64.4% |