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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 | $65,961+157.7% | $180,320-5.7% | $94,015+80.8% |
| Participation rate | 78.6% | 61.3%+17.3pp | 71.5%+7.0pp | 70.8%+7.8pp |
| Annual return | 9.47% | 14.27%-4.8pp | 778.54%-769.1pp | 17.84%-8.4pp |
| Employer contribution / active EE | $5,580 | $1,737+221.2% | $4,108+35.9% | $2,790+100.0% |
| Participant deferral / active EE | $10,354 | $3,003+244.8% | $4,304+140.6% | $4,249+143.7% |
| Admin fee / account holder | $334 | $4,901-93.2% | $10,000-96.7% | $8,951-96.3% |