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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 | $141,873 | $105,198+34.9% | $159,455-11.0% | $85,856+65.2% |
| Participation rate | 76.9% | 75.8%+1.1pp | 82.8%-5.9pp | 69.3%+7.6pp |
| Annual return | 12.17% | 45.08%-32.9pp | 263.63%-251.5pp | 318.58%-306.4pp |
| Employer contribution / active EE | $1,246 | $3,319-62.5% | $4,830-74.2% | $2,565-51.4% |
| Participant deferral / active EE | $5,469 | $5,946-8.0% | $7,353-25.6% | $3,952+38.4% |
| Admin fee / account holder | $2,229 | $6,934-67.9% | $10,800-79.4% | $6,261-64.4% |