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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 | $118,883 | $97,125+22.4% | $86,233+37.9% | $137,256-13.4% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.0%+31.0pp | 80.0%+20.0pp |
| Annual return | 8.25% | 74.19%-65.9pp | 61.39%-53.1pp | 220.34%-212.1pp |
| Employer contribution / active EE | $2,327 | $2,841-18.1% | $2,504-7.1% | $4,156-44.0% |
| Participant deferral / active EE | $6,824 | $5,180+31.7% | $4,559+49.7% | $6,407+6.5% |
| Admin fee / account holder | $4,489 | $9,725-53.8% | $8,342-46.2% | $12,270-63.4% |