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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 | $102,429+58.1% | $147,096+10.1% | $80,925+100.1% |
| Participation rate | 96.0% | 75.9%+20.1pp | 82.2%+13.8pp | 67.7%+28.3pp |
| Annual return | 11.12% | 135.02%-123.9pp | 419.75%-408.6pp | 35.65%-24.5pp |
| Employer contribution / active EE | $7,421 | $3,716+99.7% | $4,936+50.3% | $2,756+169.2% |
| Participant deferral / active EE | $6,837 | $6,649+2.8% | $8,071-15.3% | $4,299+59.1% |
| Admin fee / account holder | $5,605 | $7,957-29.6% | $13,005-56.9% | $6,940-19.2% |