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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 | $122,338 | $100,073+22.2% | $85,126+43.7% | $145,877-16.1% |
| Participation rate | 90.0% | 74.1%+15.9pp | 67.5%+22.5pp | 80.3%+9.7pp |
| Annual return | 6.59% | 84.11%-77.5pp | 66.63%-60.0pp | 551.28%-544.7pp |
| Employer contribution / active EE | $19,264 | $3,236+495.2% | $2,731+605.3% | $4,663+313.1% |
| Participant deferral / active EE | $19,981 | $5,294+277.4% | $4,523+341.7% | $6,691+198.6% |
| Admin fee / account holder | $3,299 | $7,261-54.6% | $6,160-46.4% | $13,402-75.4% |