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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 | $144,802 | $70,366+105.8% | $66,674+117.2% | $138,895+4.3% |
| Participation rate | 70.0% | 76.2%-6.2pp | 73.7%-3.7pp | 79.9%-9.9pp |
| Annual return | 8.28% | 386.41%-378.1pp | 321.24%-313.0pp | 145.39%-137.1pp |
| Employer contribution / active EE | $5,417 | $2,765+95.9% | $2,620+106.7% | $4,194+29.2% |
| Participant deferral / active EE | $16,054 | $4,374+267.0% | $4,084+293.1% | $6,396+151.0% |
| Admin fee / account holder | $4,025 | $5,262-23.5% | $5,098-21.0% | $12,562-68.0% |