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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 | $209,473 | $72,071+190.6% | $68,368+206.4% | $137,256+52.6% |
| Participation rate | 70.0% | 76.2%-6.2pp | 73.8%-3.8pp | 80.0%-10.0pp |
| Annual return | 8.95% | 353.14%-344.2pp | 292.57%-283.6pp | 220.34%-211.4pp |
| Employer contribution / active EE | $4,907 | $2,788+76.0% | $2,649+85.3% | $4,156+18.1% |
| Participant deferral / active EE | $5,172 | $4,410+17.3% | $4,123+25.4% | $6,407-19.3% |
| Admin fee / account holder | $3,626 | $5,336-32.0% | $5,150-29.6% | $12,270-70.4% |