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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 | $223,671 | $118,869+88.2% | $96,575+131.6% | $167,518+33.5% |
| Participation rate | 90.9% | 75.5%+15.4pp | 69.8%+21.1pp | 82.1%+8.8pp |
| Annual return | 7.99% | 50.49%-42.5pp | 37.79%-29.8pp | 478.71%-470.7pp |
| Employer contribution / active EE | $10,396 | $3,120+233.2% | $2,357+341.1% | $4,838+114.9% |
| Participant deferral / active EE | $13,450 | $4,616+191.4% | $3,849+249.5% | $6,342+112.1% |
| Admin fee / account holder | $10,946 | $8,067+35.7% | $6,182+77.1% | $12,312-11.1% |