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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 | $111,834 | $89,370+25.1% | $141,197-20.8% | $72,976+53.2% |
| Participation rate | 86.7% | 75.1%+11.5pp | 82.5%+4.2pp | 69.5%+17.2pp |
| Annual return | 18.35% | 111.88%-93.5pp | 71.41%-53.1pp | 81.02%-62.7pp |
| Employer contribution / active EE | $9,050 | $3,115+190.5% | $4,736+91.1% | $2,440+270.9% |
| Participant deferral / active EE | $2,797 | $5,419-48.4% | $6,710-58.3% | $3,608-22.5% |
| Admin fee / account holder | $880 | $5,957-85.2% | $10,265-91.4% | $5,124-82.8% |