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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 | $110,804 | $68,394+62.0% | $94,672+17.0% | $75,177+47.4% |
| Participation rate | 80.8% | 76.1%+4.7pp | 80.8%-0.1pp | 67.2%+13.6pp |
| Annual return | 15.36% | 616.92%-601.6pp | 156.89%-141.5pp | 160.75%-145.4pp |
| Employer contribution / active EE | $2,655 | $2,701-1.7% | $3,673-27.7% | $2,671-0.6% |
| Participant deferral / active EE | $5,187 | $6,536-20.6% | $7,417-30.1% | $4,126+25.7% |
| Admin fee / account holder | $35,461 | $5,326+565.8% | $7,222+391.0% | $5,651+527.5% |