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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 | $157,279 | $102,422+53.6% | $147,117+6.9% | $80,959+94.3% |
| Participation rate | 92.6% | 75.9%+16.7pp | 82.2%+10.4pp | 67.7%+24.9pp |
| Annual return | 9.71% | 135.16%-125.4pp | 420.54%-410.8pp | 35.67%-26.0pp |
| Employer contribution / active EE | $4,591 | $3,717+23.5% | $4,932-6.9% | $2,757+66.5% |
| Participant deferral / active EE | $14,498 | $6,652+118.0% | $8,065+79.8% | $4,300+237.1% |
| Admin fee / account holder | $1,219 | $7,953-84.7% | $12,993-90.6% | $6,925-82.4% |