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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 | $161,927 | $102,422+58.1% | $147,117+10.1% | $80,959+100.0% |
| Participation rate | 96.0% | 75.9%+20.1pp | 82.2%+13.8pp | 67.7%+28.3pp |
| Annual return | 11.12% | 135.16%-124.0pp | 420.54%-409.4pp | 35.67%-24.5pp |
| Employer contribution / active EE | $7,421 | $3,717+99.6% | $4,932+50.5% | $2,757+169.2% |
| Participant deferral / active EE | $6,837 | $6,652+2.8% | $8,065-15.2% | $4,300+59.0% |
| Admin fee / account holder | $5,605 | $7,953-29.5% | $12,993-56.9% | $6,925-19.1% |