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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 | $122,002 | $108,897+12.0% | $100,378+21.5% | $145,877-16.4% |
| Participation rate | 71.4% | 83.0%-11.5pp | 81.5%-10.1pp | 80.3%-8.9pp |
| Annual return | 4.75% | 58.17%-53.4pp | 49.41%-44.7pp | 551.28%-546.5pp |
| Employer contribution / active EE | $1,253 | $4,420-71.7% | $3,942-68.2% | $4,663-73.1% |
| Participant deferral / active EE | $11,570 | $8,455+36.9% | $8,087+43.1% | $6,691+72.9% |
| Admin fee / account holder | $5,183 | $9,690-46.5% | $7,899-34.4% | $13,402-61.3% |