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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 | $102,385+58.2% | $147,080+10.1% | $80,935+100.1% |
| Participation rate | 96.0% | 75.9%+20.1pp | 82.2%+13.8pp | 67.7%+28.3pp |
| Annual return | 11.12% | 135.09%-124.0pp | 420.17%-409.0pp | 35.66%-24.5pp |
| Employer contribution / active EE | $7,421 | $3,717+99.7% | $4,933+50.4% | $2,757+169.2% |
| Participant deferral / active EE | $6,837 | $6,651+2.8% | $8,066-15.2% | $4,299+59.0% |
| Admin fee / account holder | $5,605 | $7,951-29.5% | $12,989-56.8% | $6,924-19.1% |