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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 | $74,200 | $115,810-35.9% | $101,271-26.7% | $158,966-53.3% |
| Participation rate | 90.0% | 79.4%+10.6pp | 75.8%+14.2pp | 82.0%+8.0pp |
| Annual return | 3.96% | 56.15%-52.2pp | 46.48%-42.5pp | 302.95%-299.0pp |
| Employer contribution / active EE | $9,616 | $4,175+130.3% | $3,660+162.7% | $4,762+101.9% |
| Participant deferral / active EE | $5,014 | $4,958+1.1% | $4,371+14.7% | $5,983-16.2% |
| Admin fee / account holder | $2,352 | $7,248-67.5% | $5,948-60.5% | $11,250-79.1% |