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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 | $148,781 | $65,440+127.4% | $98,506+51.0% | $85,851+73.3% |
| Participation rate | 79.1% | 65.0%+14.1pp | 73.3%+5.7pp | 69.3%+9.7pp |
| Annual return | 9.26% | 21.75%-12.5pp | 1494.92%-1485.7pp | 318.63%-309.4pp |
| Employer contribution / active EE | $3,867 | $2,169+78.3% | $2,961+30.6% | $2,565+50.7% |
| Participant deferral / active EE | $5,765 | $3,168+82.0% | $4,277+34.8% | $3,952+45.9% |
| Admin fee / account holder | $17,574 | $4,596+282.4% | $5,955+195.1% | $6,261+180.7% |