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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 | $131,086 | $105,200+24.6% | $159,474-17.8% | $85,847+52.7% |
| Participation rate | 86.7% | 75.8%+10.9pp | 82.8%+3.8pp | 69.3%+17.3pp |
| Annual return | 12.48% | 45.08%-32.6pp | 263.68%-251.2pp | 318.61%-306.1pp |
| Employer contribution / active EE | $6,403 | $3,319+92.9% | $4,831+32.5% | $2,565+149.6% |
| Participant deferral / active EE | $8,088 | $5,946+36.0% | $7,353+10.0% | $3,952+104.6% |
| Admin fee / account holder | $2,775 | $6,934-60.0% | $10,802-74.3% | $6,261-55.7% |