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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 | $113,874 | $63,346+79.8% | $92,240+23.5% | $70,126+62.4% |
| Participation rate | 84.2% | 68.7%+15.5pp | 76.5%+7.7pp | 69.5%+14.7pp |
| Annual return | 10.49% | 530.19%-519.7pp | 176.29%-165.8pp | 73.15%-62.7pp |
| Employer contribution / active EE | $8,394 | $2,471+239.7% | $3,680+128.1% | $2,343+258.3% |
| Participant deferral / active EE | $3,869 | $2,854+35.6% | $3,897-0.7% | $3,332+16.1% |
| Admin fee / account holder | $3,494 | $3,841-9.0% | $5,194-32.7% | $4,645-24.8% |