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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 | $125,741 | $102,429+22.8% | $147,096-14.5% | $80,925+55.4% |
| Participation rate | 96.3% | 75.9%+20.4pp | 82.2%+14.1pp | 67.7%+28.6pp |
| Annual return | 11.82% | 135.02%-123.2pp | 419.75%-407.9pp | 35.65%-23.8pp |
| Employer contribution / active EE | $4,681 | $3,716+26.0% | $4,936-5.2% | $2,756+69.8% |
| Participant deferral / active EE | $11,854 | $6,649+78.3% | $8,071+46.9% | $4,299+175.8% |
| Admin fee / account holder | $28,799 | $7,957+261.9% | $13,005+121.4% | $6,940+315.0% |