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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 | $207,809 | $72,071+188.3% | $68,368+204.0% | $137,256+51.4% |
| Participation rate | 81.3% | 76.2%+5.0pp | 73.8%+7.5pp | 80.0%+1.3pp |
| Annual return | 10.06% | 353.14%-343.1pp | 292.57%-282.5pp | 220.34%-210.3pp |
| Employer contribution / active EE | $2,355 | $2,788-15.5% | $2,649-11.1% | $4,156-43.3% |
| Participant deferral / active EE | $6,070 | $4,410+37.6% | $4,123+47.2% | $6,407-5.3% |
| Admin fee / account holder | $8,529 | $5,336+59.9% | $5,150+65.6% | $12,270-30.5% |