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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 | $225,122 | $111,535+101.8% | $105,223+113.9% | $137,256+64.0% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 80.0%+20.0pp |
| Annual return | 9.83% | 237.85%-228.0pp | 180.65%-170.8pp | 220.34%-210.5pp |
| Employer contribution / active EE | $4,053 | $3,939+2.9% | $3,689+9.9% | $4,156-2.5% |
| Participant deferral / active EE | $8,716 | $5,500+58.5% | $5,072+71.9% | $6,407+36.0% |
| Admin fee / account holder | $8,275 | $9,721-14.9% | $8,859-6.6% | $12,270-32.6% |