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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 | $178,671 | $102,385+74.5% | $147,080+21.5% | $80,935+120.8% |
| Participation rate | 93.2% | 75.9%+17.3pp | 82.2%+11.0pp | 67.7%+25.5pp |
| Annual return | 10.58% | 135.09%-124.5pp | 420.17%-409.6pp | 35.66%-25.1pp |
| Employer contribution / active EE | $15,395 | $3,717+314.2% | $4,933+212.1% | $2,757+458.4% |
| Participant deferral / active EE | $16,534 | $6,651+148.6% | $8,066+105.0% | $4,299+284.6% |
| Admin fee / account holder | $6,859 | $7,951-13.7% | $12,989-47.2% | $6,924-0.9% |