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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 | $169,977 | $56,431+201.2% | $130,788+30.0% | $87,485+94.3% |
| Participation rate | 78.6% | 58.9%+19.6pp | 70.1%+8.5pp | 68.9%+9.6pp |
| Annual return | 9.47% | 91.27%-81.8pp | 386.44%-377.0pp | 26.06%-16.6pp |
| Employer contribution / active EE | $5,580 | $1,549+260.2% | $3,558+56.8% | $2,596+114.9% |
| Participant deferral / active EE | $10,354 | $2,749+276.6% | $4,137+150.3% | $4,274+142.3% |
| Admin fee / account holder | $334 | $4,433-92.5% | $6,673-95.0% | $7,775-95.7% |