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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 | $18,082 | $172,111-89.5% | $150,298-88.0% | $137,256-86.8% |
| Participation rate | 88.9% | 81.7%+7.2pp | 77.8%+11.1pp | 80.0%+8.9pp |
| Annual return | 10.83% | 69.37%-58.5pp | 62.79%-52.0pp | 220.34%-209.5pp |
| Employer contribution / active EE | $5,201 | $4,636+12.2% | $4,154+25.2% | $4,156+25.1% |
| Participant deferral / active EE | $6,751 | $6,166+9.5% | $5,453+23.8% | $6,407+5.4% |
| Admin fee / account holder | $3,516 | $16,471-78.7% | $14,116-75.1% | $12,270-71.3% |