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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 | $232,325 | $61,787+276.0% | $97,197+139.0% | $80,925+187.1% |
| Participation rate | 86.2% | 63.5%+22.7pp | 72.7%+13.5pp | 67.7%+18.5pp |
| Annual return | 9.96% | -558.16%+568.1pp | 75.47%-65.5pp | 35.65%-25.7pp |
| Employer contribution / active EE | $6,464 | $1,836+252.0% | $2,723+137.4% | $2,756+134.5% |
| Participant deferral / active EE | $12,545 | $3,027+314.4% | $4,263+194.3% | $4,299+191.8% |
| Admin fee / account holder | $7,402 | $5,170+43.2% | $5,637+31.3% | $6,940+6.7% |