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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 | $88,553 | $129,737-31.7% | $119,126-25.7% | $154,746-42.8% |
| Participation rate | 80.0% | 78.9%+1.1pp | 75.8%+4.2pp | 80.7%-0.7pp |
| Annual return | 7.15% | 379.08%-371.9pp | 282.11%-275.0pp | 172.34%-165.2pp |
| Employer contribution / active EE | $14,595 | $4,375+233.6% | $4,034+261.8% | $4,379+233.3% |
| Participant deferral / active EE | $8,333 | $5,842+42.6% | $5,318+56.7% | $6,730+23.8% |
| Admin fee / account holder | $7,492 | $11,961-37.4% | $10,693-29.9% | $14,365-47.8% |