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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 | $108,942+12.0% | $100,415+21.5% | $145,897-16.4% |
| Participation rate | 71.4% | 83.0%-11.6pp | 81.5%-10.1pp | 80.3%-8.9pp |
| Annual return | 4.75% | 58.27%-53.5pp | 49.47%-44.7pp | 552.29%-547.5pp |
| Employer contribution / active EE | $1,253 | $4,422-71.7% | $3,943-68.2% | $4,663-73.1% |
| Participant deferral / active EE | $11,570 | $8,461+36.7% | $8,091+43.0% | $6,689+73.0% |
| Admin fee / account holder | $5,183 | $9,702-46.6% | $7,906-34.4% | $13,390-61.3% |