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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 | $177,232 | $72,071+145.9% | $68,368+159.2% | $137,256+29.1% |
| Participation rate | 92.9% | 76.2%+16.6pp | 73.8%+19.1pp | 80.0%+12.9pp |
| Annual return | 10.04% | 353.14%-343.1pp | 292.57%-282.5pp | 220.34%-210.3pp |
| Employer contribution / active EE | $8,338 | $2,788+199.1% | $2,649+214.8% | $4,156+100.6% |
| Participant deferral / active EE | $12,206 | $4,410+176.8% | $4,123+196.1% | $6,407+90.5% |
| Admin fee / account holder | $12,038 | $5,336+125.6% | $5,150+133.7% | $12,270-1.9% |