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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 | $177,821 | $114,119+55.8% | $107,187+65.9% | $138,895+28.0% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 79.9%+20.1pp |
| Annual return | 9.43% | 273.21%-263.8pp | 204.55%-195.1pp | 145.39%-136.0pp |
| Employer contribution / active EE | $1,944 | $4,059-52.1% | $3,782-48.6% | $4,194-53.6% |
| Participant deferral / active EE | $3,355 | $5,538-39.4% | $5,096-34.2% | $6,396-47.6% |
| Admin fee / account holder | $2,210 | $10,024-78.0% | $9,162-75.9% | $12,562-82.4% |