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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 | $124,581 | $61,125+103.8% | $94,057+32.5% | $87,485+42.4% |
| Participation rate | 94.1% | 64.1%+30.1pp | 73.3%+20.8pp | 68.9%+25.2pp |
| Annual return | 11.97% | 35.20%-23.2pp | 480.62%-468.6pp | 26.06%-14.1pp |
| Employer contribution / active EE | $2,824 | $2,136+32.2% | $2,933-3.7% | $2,596+8.8% |
| Participant deferral / active EE | $5,529 | $3,260+69.6% | $4,709+17.4% | $4,274+29.4% |
| Admin fee / account holder | $2,861 | $5,629-49.2% | $7,244-60.5% | $7,775-63.2% |