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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 | $138,047 | $72,071+91.5% | $68,368+101.9% | $137,256+0.6% |
| Participation rate | 90.0% | 76.2%+13.8pp | 73.8%+16.2pp | 80.0%+10.0pp |
| Annual return | 12.68% | 353.14%-340.5pp | 292.57%-279.9pp | 220.34%-207.7pp |
| Employer contribution / active EE | $4,403 | $2,788+57.9% | $2,649+66.2% | $4,156+6.0% |
| Participant deferral / active EE | $7,173 | $4,410+62.7% | $4,123+74.0% | $6,407+12.0% |
| Admin fee / account holder | $2,673 | $5,336-49.9% | $5,150-48.1% | $12,270-78.2% |