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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 | $124,870 | $102,429+21.9% | $147,096-15.1% | $80,925+54.3% |
| Participation rate | 92.9% | 75.9%+17.0pp | 82.2%+10.7pp | 67.7%+25.2pp |
| Annual return | 11.37% | 135.02%-123.7pp | 419.75%-408.4pp | 35.65%-24.3pp |
| Employer contribution / active EE | $3,255 | $3,716-12.4% | $4,936-34.1% | $2,756+18.1% |
| Participant deferral / active EE | $9,463 | $6,649+42.3% | $8,071+17.2% | $4,299+120.1% |
| Admin fee / account holder | $3,598 | $7,957-54.8% | $13,005-72.3% | $6,940-48.2% |