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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 | $168,225 | $77,157+118.0% | $108,405+55.2% | $85,851+95.9% |
| Participation rate | 92.9% | 74.7%+18.2pp | 80.1%+12.7pp | 69.3%+23.5pp |
| Annual return | 11.82% | 44.55%-32.7pp | 905.55%-893.7pp | 318.63%-306.8pp |
| Employer contribution / active EE | $4,141 | $2,379+74.0% | $3,559+16.3% | $2,565+61.4% |
| Participant deferral / active EE | $9,435 | $5,567+69.5% | $6,563+43.8% | $3,952+138.7% |
| Admin fee / account holder | $770 | $5,174-85.1% | $7,297-89.4% | $6,261-87.7% |