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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 | $209,689 | $103,008+103.6% | $90,304+132.2% | $152,897+37.1% |
| Participation rate | 87.5% | 75.9%+11.6pp | 73.3%+14.2pp | 82.5%+5.0pp |
| Annual return | 8.38% | 95.22%-86.8pp | 78.13%-69.8pp | 345.43%-337.0pp |
| Employer contribution / active EE | $3,429 | $3,139+9.2% | $2,855+20.1% | $4,764-28.0% |
| Participant deferral / active EE | $3,521 | $4,281-17.8% | $3,885-9.4% | $5,851-39.8% |
| Admin fee / account holder | $9,786 | $6,175+58.5% | $5,354+82.8% | $11,599-15.6% |