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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 | $81,001 | $102,422-20.9% | $147,117-44.9% | $80,959+0.1% |
| Participation rate | 84.4% | 75.9%+8.5pp | 82.2%+2.2pp | 67.7%+16.7pp |
| Annual return | 11.37% | 135.16%-123.8pp | 420.54%-409.2pp | 35.67%-24.3pp |
| Employer contribution / active EE | $5,071 | $3,717+36.4% | $4,932+2.8% | $2,757+83.9% |
| Participant deferral / active EE | $9,499 | $6,652+42.8% | $8,065+17.8% | $4,300+120.9% |
| Admin fee / account holder | $14,494 | $7,953+82.2% | $12,993+11.6% | $6,925+109.3% |