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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 | $122,928 | $77,157+59.3% | $108,405+13.4% | $85,847+43.2% |
| Participation rate | 91.1% | 74.7%+16.4pp | 80.1%+11.0pp | 69.3%+21.8pp |
| Annual return | 12.44% | 44.55%-32.1pp | 905.55%-893.1pp | 318.61%-306.2pp |
| Employer contribution / active EE | $3,542 | $2,379+48.9% | $3,559-0.5% | $2,565+38.1% |
| Participant deferral / active EE | $6,033 | $5,567+8.4% | $6,563-8.1% | $3,952+52.6% |
| Admin fee / account holder | $3,226 | $5,174-37.6% | $7,297-55.8% | $6,261-48.5% |