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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 | $135,242 | $85,171+58.8% | $172,753-21.7% | $72,976+85.3% |
| Participation rate | 78.9% | 70.1%+8.9pp | 82.6%-3.7pp | 69.5%+9.5pp |
| Annual return | 14.39% | 27.32%-12.9pp | 803.00%-788.6pp | 81.02%-66.6pp |
| Employer contribution / active EE | $8,657 | $3,324+160.4% | $5,144+68.3% | $2,440+254.8% |
| Participant deferral / active EE | $7,501 | $3,260+130.1% | $5,198+44.3% | $3,608+107.9% |
| Admin fee / account holder | $40,442 | $5,880+587.8% | $13,956+189.8% | $5,124+689.2% |