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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 | $117,967 | $48,053+145.5% | $84,637+39.4% | $72,976+61.7% |
| Participation rate | 96.6% | 57.6%+39.0pp | 68.2%+28.3pp | 69.5%+27.1pp |
| Annual return | 16.28% | 37.39%-21.1pp | 258.82%-242.5pp | 81.02%-64.7pp |
| Employer contribution / active EE | $6,032 | $1,602+276.6% | $2,653+127.4% | $2,440+147.2% |
| Participant deferral / active EE | $1,441 | $2,681-46.2% | $3,900-63.1% | $3,608-60.1% |
| Admin fee / account holder | $2,223 | $3,395-34.5% | $4,914-54.8% | $5,124-56.6% |