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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 | $110,724 | $98,776+12.1% | $149,745-26.1% | $79,856+38.7% |
| Participation rate | 97.2% | 75.8%+21.4pp | 82.5%+14.7pp | 69.6%+27.6pp |
| Annual return | 10.18% | 27.38%-17.2pp | 276.72%-266.5pp | 31.71%-21.5pp |
| Employer contribution / active EE | $5,113 | $3,217+58.9% | $4,646+10.1% | $2,471+106.9% |
| Participant deferral / active EE | $6,159 | $5,681+8.4% | $6,843-10.0% | $3,741+64.7% |
| Admin fee / account holder | $38,815 | $6,053+541.3% | $9,312+316.8% | $5,306+631.5% |