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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 | $134,817-34.3% | $123,973-28.6% | $155,188-42.9% |
| Participation rate | 80.0% | 79.4%+0.6pp | 76.7%+3.3pp | 80.8%-0.8pp |
| Annual return | 7.15% | 515.49%-508.3pp | 388.13%-381.0pp | 148.84%-141.7pp |
| Employer contribution / active EE | $14,595 | $4,425+229.8% | $4,126+253.8% | $4,248+243.6% |
| Participant deferral / active EE | $8,333 | $5,706+46.0% | $5,247+58.8% | $6,531+27.6% |
| Admin fee / account holder | $7,492 | $13,245-43.4% | $11,799-36.5% | $14,480-48.3% |