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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 | $171,866 | $105,200+63.4% | $159,474+7.8% | $85,847+100.2% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.8%+17.2pp | 69.3%+30.7pp |
| Annual return | 12.21% | 45.08%-32.9pp | 263.68%-251.5pp | 318.61%-306.4pp |
| Employer contribution / active EE | $2,090 | $3,319-37.0% | $4,831-56.7% | $2,565-18.5% |
| Participant deferral / active EE | $5,875 | $5,946-1.2% | $7,353-20.1% | $3,952+48.7% |
| Admin fee / account holder | $2,854 | $6,934-58.8% | $10,802-73.6% | $6,261-54.4% |