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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 | $102,429+53.5% | $147,096+6.9% | $80,925+94.4% |
| Participation rate | 92.6% | 75.9%+16.7pp | 82.2%+10.4pp | 67.7%+24.9pp |
| Annual return | 9.71% | 135.02%-125.3pp | 419.75%-410.0pp | 35.65%-25.9pp |
| Employer contribution / active EE | $4,591 | $3,716+23.6% | $4,936-7.0% | $2,756+66.6% |
| Participant deferral / active EE | $14,498 | $6,649+118.1% | $8,071+79.6% | $4,299+237.3% |
| Admin fee / account holder | $1,219 | $7,957-84.7% | $13,005-90.6% | $6,940-82.4% |