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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 | $131,365 | $89,370+47.0% | $141,197-7.0% | $72,976+80.0% |
| Participation rate | 84.4% | 75.1%+9.2pp | 82.5%+1.9pp | 69.5%+14.9pp |
| Annual return | 17.20% | 111.88%-94.7pp | 71.41%-54.2pp | 81.02%-63.8pp |
| Employer contribution / active EE | $4,561 | $3,115+46.4% | $4,736-3.7% | $2,440+86.9% |
| Participant deferral / active EE | $6,285 | $5,419+16.0% | $6,710-6.3% | $3,608+74.2% |
| Admin fee / account holder | $8,104 | $5,957+36.1% | $10,265-21.0% | $5,124+58.2% |