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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 | $87,140 | $183,592-52.5% | $155,567-44.0% | $145,959-40.3% |
| Participation rate | 93.3% | 82.7%+10.7pp | 78.2%+15.1pp | 80.3%+13.0pp |
| Annual return | 7.00% | 61.24%-54.2pp | 64.74%-57.7pp | 561.95%-554.9pp |
| Employer contribution / active EE | $7,744 | $5,315+45.7% | $4,674+65.7% | $4,661+66.1% |
| Participant deferral / active EE | $6,735 | $6,464+4.2% | $5,628+19.7% | $6,689+0.7% |
| Admin fee / account holder | $782 | $19,318-96.0% | $15,916-95.1% | $13,398-94.2% |