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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 | $53,063+220.3% | $124,206+36.9% | $82,637+105.7% |
| Participation rate | 78.6% | 58.4%+20.2pp | 69.6%+9.0pp | 68.1%+10.5pp |
| Annual return | 9.47% | 68.87%-59.4pp | 515.27%-505.8pp | 53.51%-44.0pp |
| Employer contribution / active EE | $5,580 | $1,530+264.6% | $3,540+57.6% | $2,552+118.6% |
| Participant deferral / active EE | $10,354 | $2,644+291.6% | $3,968+161.0% | $4,126+150.9% |
| Admin fee / account holder | $334 | $4,281-92.2% | $5,929-94.4% | $7,339-95.5% |