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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 | $118,891 | $109,967+8.1% | $97,197+22.3% | $145,877-18.5% |
| Participation rate | 85.7% | 76.0%+9.8pp | 72.7%+13.0pp | 80.3%+5.4pp |
| Annual return | 7.59% | 244.27%-236.7pp | 75.47%-67.9pp | 551.28%-543.7pp |
| Employer contribution / active EE | $11,909 | $3,077+287.1% | $2,723+337.4% | $4,663+155.4% |
| Participant deferral / active EE | $6,179 | $4,676+32.1% | $4,263+44.9% | $6,691-7.7% |
| Admin fee / account holder | $308 | $6,199-95.0% | $5,637-94.5% | $13,402-97.7% |