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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 | $118,856 | $85,171+39.5% | $172,752-31.2% | $72,975+62.9% |
| Participation rate | 96.6% | 70.1%+26.5pp | 82.6%+13.9pp | 69.5%+27.1pp |
| Annual return | 14.93% | 27.32%-12.4pp | 802.97%-788.0pp | 81.01%-66.1pp |
| Employer contribution / active EE | $7,587 | $3,324+128.3% | $5,144+47.5% | $2,440+210.9% |
| Participant deferral / active EE | $1,660 | $3,260-49.1% | $5,198-68.1% | $3,608-54.0% |
| Admin fee / account holder | $4,700 | $5,880-20.1% | $13,955-66.3% | $5,124-8.3% |