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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 | $215,816 | $183,539+17.6% | $155,556+38.7% | $145,897+47.9% |
| Participation rate | 83.3% | 82.7%+0.6pp | 78.2%+5.1pp | 80.3%+3.0pp |
| Annual return | 5.65% | 61.31%-55.7pp | 64.84%-59.2pp | 552.29%-546.6pp |
| Employer contribution / active EE | $11,000 | $5,315+106.9% | $4,675+135.3% | $4,663+135.9% |
| Participant deferral / active EE | $6,858 | $6,467+6.0% | $5,631+21.8% | $6,689+2.5% |
| Admin fee / account holder | $15,842 | $19,275-17.8% | $15,885-0.3% | $13,390+18.3% |