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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 | $104,692 | $102,385+2.3% | $147,080-28.8% | $80,935+29.4% |
| Participation rate | 97.4% | 75.9%+21.6pp | 82.2%+15.3pp | 67.7%+29.8pp |
| Annual return | 11.58% | 135.09%-123.5pp | 420.17%-408.6pp | 35.66%-24.1pp |
| Employer contribution / active EE | $9,057 | $3,717+143.7% | $4,933+83.6% | $2,757+228.5% |
| Participant deferral / active EE | $6,589 | $6,651-0.9% | $8,066-18.3% | $4,299+53.3% |
| Admin fee / account holder | $2,762 | $7,951-65.3% | $12,989-78.7% | $6,924-60.1% |