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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 | $243,085 | $105,200+131.1% | $159,474+52.4% | $85,847+183.2% |
| Participation rate | 78.9% | 75.8%+3.2pp | 82.8%-3.9pp | 69.3%+9.6pp |
| Annual return | 12.36% | 45.08%-32.7pp | 263.68%-251.3pp | 318.61%-306.2pp |
| Employer contribution / active EE | $1,968 | $3,319-40.7% | $4,831-59.3% | $2,565-23.3% |
| Participant deferral / active EE | $6,445 | $5,946+8.4% | $7,353-12.3% | $3,952+63.1% |
| Admin fee / account holder | $4,541 | $6,934-34.5% | $10,802-58.0% | $6,261-27.5% |