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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 | $249,797 | $68,097+266.8% | $62,929+297.0% | $137,256+82.0% |
| Participation rate | 70.0% | 77.4%-7.4pp | 73.1%-3.1pp | 80.0%-10.0pp |
| Annual return | 10.19% | 1859.11%-1848.9pp | 1063.93%-1053.7pp | 220.34%-210.2pp |
| Employer contribution / active EE | $8,720 | $2,811+210.2% | $2,505+248.2% | $4,156+109.8% |
| Participant deferral / active EE | $7,244 | $4,553+59.1% | $3,888+86.3% | $6,407+13.1% |
| Admin fee / account holder | $5,931 | $6,521-9.0% | $5,065+17.1% | $12,270-51.7% |