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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 | $227,253 | $72,071+215.3% | $68,368+232.4% | $137,256+65.6% |
| Participation rate | 90.0% | 76.2%+13.8pp | 73.8%+16.2pp | 80.0%+10.0pp |
| Annual return | 11.26% | 353.14%-341.9pp | 292.57%-281.3pp | 220.34%-209.1pp |
| Employer contribution / active EE | $2,900 | $2,788+4.0% | $2,649+9.5% | $4,156-30.2% |
| Participant deferral / active EE | $6,752 | $4,410+53.1% | $4,123+63.8% | $6,407+5.4% |
| Admin fee / account holder | $931 | $5,336-82.6% | $5,150-81.9% | $12,270-92.4% |