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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 | $128,386 | $89,370+43.7% | $141,197-9.1% | $72,976+75.9% |
| Participation rate | 92.3% | 75.1%+17.2pp | 82.5%+9.8pp | 69.5%+22.8pp |
| Annual return | 17.01% | 111.88%-94.9pp | 71.41%-54.4pp | 81.02%-64.0pp |
| Employer contribution / active EE | $4,792 | $3,115+53.8% | $4,736+1.2% | $2,440+96.4% |
| Participant deferral / active EE | $7,562 | $5,419+39.6% | $6,710+12.7% | $3,608+109.6% |
| Admin fee / account holder | $4,241 | $5,957-28.8% | $10,265-58.7% | $5,124-17.2% |