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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 | $89,547 | $105,210-14.9% | $159,487-43.9% | $85,851+4.3% |
| Participation rate | 85.1% | 75.8%+9.3pp | 82.8%+2.3pp | 69.3%+15.8pp |
| Annual return | 8.09% | 45.08%-37.0pp | 263.71%-255.6pp | 318.63%-310.5pp |
| Employer contribution / active EE | $2,341 | $3,319-29.5% | $4,831-51.5% | $2,565-8.7% |
| Participant deferral / active EE | $4,204 | $5,946-29.3% | $7,354-42.8% | $3,952+6.4% |
| Admin fee / account holder | $18,955 | $6,934+173.3% | $10,804+75.5% | $6,261+202.8% |