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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 | $102,429+74.4% | $147,096+21.5% | $80,925+120.8% |
| Participation rate | 93.2% | 75.9%+17.3pp | 82.2%+11.0pp | 67.7%+25.5pp |
| Annual return | 10.58% | 135.02%-124.4pp | 419.75%-409.2pp | 35.65%-25.1pp |
| Employer contribution / active EE | $15,395 | $3,716+314.3% | $4,936+211.9% | $2,756+458.5% |
| Participant deferral / active EE | $16,534 | $6,649+148.7% | $8,071+104.9% | $4,299+284.6% |
| Admin fee / account holder | $6,859 | $7,957-13.8% | $13,005-47.3% | $6,940-1.2% |