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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 | $139,171 | $108,911+27.8% | $100,392+38.6% | $145,884-4.6% |
| Participation rate | 90.9% | 83.0%+7.9pp | 81.5%+9.4pp | 80.3%+10.6pp |
| Annual return | 9.60% | 58.23%-48.6pp | 49.45%-39.9pp | 551.85%-542.2pp |
| Employer contribution / active EE | $3,472 | $4,420-21.5% | $3,941-11.9% | $4,662-25.5% |
| Participant deferral / active EE | $10,139 | $8,459+19.9% | $8,090+25.3% | $6,690+51.6% |
| Admin fee / account holder | $9,538 | $9,698-1.7% | $7,904+20.7% | $13,392-28.8% |