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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 | $62,591 | $175,212-64.3% | $149,682-58.2% | $139,427-55.1% |
| Participation rate | 85.7% | 83.4%+2.3pp | 78.8%+6.9pp | 80.3%+5.4pp |
| Annual return | 10.09% | 166.63%-156.5pp | 134.35%-124.3pp | 373.27%-363.2pp |
| Employer contribution / active EE | $11,556 | $5,475+111.1% | $4,818+139.8% | $4,752+143.2% |
| Participant deferral / active EE | $8,557 | $6,520+31.2% | $5,681+50.6% | $6,711+27.5% |
| Admin fee / account holder | $381 | $16,150-97.6% | $13,210-97.1% | $11,404-96.7% |