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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 | $120,083 | $108,897+10.3% | $100,378+19.6% | $145,877-17.7% |
| Participation rate | 83.3% | 83.0%+0.4pp | 81.5%+1.8pp | 80.3%+3.0pp |
| Annual return | 9.71% | 58.17%-48.5pp | 49.41%-39.7pp | 551.28%-541.6pp |
| Employer contribution / active EE | $7,633 | $4,420+72.7% | $3,942+93.6% | $4,663+63.7% |
| Participant deferral / active EE | $14,391 | $8,455+70.2% | $8,087+77.9% | $6,691+115.1% |
| Admin fee / account holder | $6,233 | $9,690-35.7% | $7,899-21.1% | $13,402-53.5% |