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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 | $132,512 | $49,199+169.3% | $121,204+9.3% | $75,173+76.3% |
| Participation rate | 75.8% | 55.4%+20.3pp | 69.5%+6.2pp | 67.2%+8.6pp |
| Annual return | 12.19% | 56.04%-43.9pp | 987.18%-975.0pp | 160.72%-148.5pp |
| Employer contribution / active EE | $4,952 | $1,547+220.0% | $4,170+18.8% | $2,671+85.4% |
| Participant deferral / active EE | $9,850 | $2,630+274.6% | $4,083+141.3% | $4,126+138.7% |
| Admin fee / account holder | $2,348 | $3,946-40.5% | $5,651-58.5% | $5,651-58.4% |