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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 | $88,760 | $148,623-40.3% | $135,974-34.7% | $139,466-36.4% |
| Participation rate | 95.8% | 83.9%+12.0pp | 81.9%+13.9pp | 80.3%+15.5pp |
| Annual return | 10.08% | 79.30%-69.2pp | 68.30%-58.2pp | 373.66%-363.6pp |
| Employer contribution / active EE | $2,403 | $5,246-54.2% | $4,859-50.5% | $4,754-49.4% |
| Participant deferral / active EE | $6,143 | $8,103-24.2% | $7,760-20.8% | $6,712-8.5% |
| Admin fee / account holder | $5,713 | $12,406-54.0% | $10,767-46.9% | $11,409-49.9% |