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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 | $113,856 | $58,311+95.3% | $81,882+39.0% | $80,959+40.6% |
| Participation rate | 97.4% | 63.5%+33.9pp | 72.4%+25.0pp | 67.7%+29.7pp |
| Annual return | 10.32% | 41.85%-31.5pp | 779.47%-769.2pp | 35.67%-25.4pp |
| Employer contribution / active EE | $4,087 | $2,347+74.2% | $2,916+40.2% | $2,757+48.2% |
| Participant deferral / active EE | $7,447 | $3,287+126.6% | $4,323+72.3% | $4,300+73.2% |
| Admin fee / account holder | $368 | $4,752-92.2% | $7,360-95.0% | $6,925-94.7% |