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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 | $146,792 | $102,422+43.3% | $147,117-0.2% | $80,959+81.3% |
| Participation rate | 90.2% | 75.9%+14.3pp | 82.2%+8.0pp | 67.7%+22.5pp |
| Annual return | 10.95% | 135.16%-124.2pp | 420.54%-409.6pp | 35.67%-24.7pp |
| Employer contribution / active EE | $3,623 | $3,717-2.5% | $4,932-26.6% | $2,757+31.4% |
| Participant deferral / active EE | $8,669 | $6,652+30.3% | $8,065+7.5% | $4,300+101.6% |
| Admin fee / account holder | $5,094 | $7,953-35.9% | $12,993-60.8% | $6,925-26.4% |