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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 | $247,885 | $157,296+57.6% | $141,191+75.6% | $152,897+62.1% |
| Participation rate | 85.7% | 84.8%+0.9pp | 82.5%+3.2pp | 82.5%+3.3pp |
| Annual return | 13.77% | 64.34%-50.6pp | 71.41%-57.6pp | 345.43%-331.7pp |
| Employer contribution / active EE | $5,507 | $5,262+4.7% | $4,736+16.3% | $4,764+15.6% |
| Participant deferral / active EE | $16,124 | $7,111+126.7% | $6,710+140.3% | $5,851+175.6% |
| Admin fee / account holder | $52,366 | $12,125+331.9% | $10,264+410.2% | $11,599+351.5% |