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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 | $102,393+58.1% | $147,041+10.1% | $80,911+100.1% |
| Participation rate | 96.0% | 75.9%+20.1pp | 82.2%+13.8pp | 67.6%+28.4pp |
| Annual return | 11.12% | 134.95%-123.8pp | 419.21%-408.1pp | 35.63%-24.5pp |
| Employer contribution / active EE | $7,421 | $3,715+99.7% | $4,935+50.4% | $2,756+169.3% |
| Participant deferral / active EE | $6,837 | $6,647+2.9% | $8,071-15.3% | $4,297+59.1% |
| Admin fee / account holder | $5,605 | $7,943-29.4% | $13,006-56.9% | $6,935-19.2% |