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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 | $201,259 | $51,638+289.8% | $68,368+194.4% | $82,448+144.1% |
| Participation rate | 74.4% | 63.6%+10.8pp | 73.8%+0.7pp | 68.1%+6.4pp |
| Annual return | 13.09% | 37.53%-24.4pp | 292.57%-279.5pp | 41.64%-28.5pp |
| Employer contribution / active EE | $3,156 | $2,047+54.2% | $2,649+19.2% | $2,551+23.7% |
| Participant deferral / active EE | $7,777 | $2,914+166.9% | $4,123+88.6% | $4,139+87.9% |
| Admin fee / account holder | $23,551 | $4,643+407.2% | $5,150+357.3% | $7,234+225.5% |