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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 | $184,097 | $88,778+107.4% | $81,844+124.9% | $145,884+26.2% |
| Participation rate | 83.3% | 75.1%+8.3pp | 72.4%+11.0pp | 80.3%+3.0pp |
| Annual return | 8.11% | 1033.03%-1024.9pp | 778.87%-770.8pp | 551.85%-543.7pp |
| Employer contribution / active EE | $5,283 | $3,087+71.1% | $2,916+81.2% | $4,662+13.3% |
| Participant deferral / active EE | $7,699 | $4,648+65.6% | $4,323+78.1% | $6,690+15.1% |
| Admin fee / account holder | $12,775 | $8,430+51.5% | $7,355+73.7% | $13,392-4.6% |