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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 | $201,735 | $166,131+21.4% | $164,975+22.3% | $145,877+38.3% |
| Participation rate | 83.3% | 82.0%+1.3pp | 78.6%+4.7pp | 80.3%+3.0pp |
| Annual return | 6.51% | 100.37%-93.9pp | 70.12%-63.6pp | 551.28%-544.8pp |
| Employer contribution / active EE | $10,922 | $5,276+107.0% | $4,343+151.5% | $4,663+134.2% |
| Participant deferral / active EE | $4,061 | $6,962-41.7% | $6,033-32.7% | $6,691-39.3% |
| Admin fee / account holder | $11,445 | $16,648-31.3% | $12,688-9.8% | $13,402-14.6% |