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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 | $160,383 | $105,200+52.5% | $159,474+0.6% | $85,847+86.8% |
| Participation rate | 96.0% | 75.8%+20.2pp | 82.8%+13.2pp | 69.3%+26.7pp |
| Annual return | 8.39% | 45.08%-36.7pp | 263.68%-255.3pp | 318.61%-310.2pp |
| Employer contribution / active EE | $3,655 | $3,319+10.1% | $4,831-24.3% | $2,565+42.5% |
| Participant deferral / active EE | $8,682 | $5,946+46.0% | $7,353+18.1% | $3,952+119.7% |
| Admin fee / account holder | $1,836 | $6,934-73.5% | $10,802-83.0% | $6,261-70.7% |