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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 | $175,259-64.3% | $149,723-58.2% | $139,487-55.1% |
| Participation rate | 85.7% | 83.4%+2.3pp | 78.8%+6.9pp | 80.3%+5.4pp |
| Annual return | 10.09% | 166.82%-156.7pp | 134.50%-124.4pp | 373.84%-363.8pp |
| Employer contribution / active EE | $11,556 | $5,478+110.9% | $4,821+139.7% | $4,755+143.0% |
| Participant deferral / active EE | $8,557 | $6,522+31.2% | $5,682+50.6% | $6,713+27.5% |
| Admin fee / account holder | $381 | $16,158-97.6% | $13,215-97.1% | $11,407-96.7% |