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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 | $183,592+17.6% | $155,574+38.7% | $145,877+47.9% |
| Participation rate | 83.3% | 82.7%+0.6pp | 78.2%+5.1pp | 80.3%+3.0pp |
| Annual return | 5.65% | 61.37%-55.7pp | 64.87%-59.2pp | 551.28%-545.6pp |
| Employer contribution / active EE | $11,000 | $5,317+106.9% | $4,676+135.2% | $4,663+135.9% |
| Participant deferral / active EE | $6,858 | $6,466+6.1% | $5,629+21.8% | $6,691+2.5% |
| Admin fee / account holder | $15,842 | $19,316-18.0% | $15,914-0.5% | $13,402+18.2% |