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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 | $222,877 | $75,962+193.4% | $154,111+44.6% | $64,173+247.3% |
| Participation rate | 84.0% | 70.4%+13.6pp | 83.0%+1.0pp | 69.6%+14.4pp |
| Annual return | -10.53% | 30.32%-40.8pp | 735.18%-745.7pp | 7.63%-18.2pp |
| Employer contribution / active EE | $18,259 | $3,350+445.1% | $5,298+244.7% | $2,381+666.9% |
| Participant deferral / active EE | $11,758 | $3,175+270.4% | $5,081+131.4% | $3,470+238.9% |
| Admin fee / account holder | $23,253 | $5,589+316.0% | $13,411+73.4% | $4,887+375.8% |