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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 | $70,366+195.3% | $66,674+211.7% | $138,895+49.6% |
| Participation rate | 81.3% | 76.2%+5.1pp | 73.7%+7.6pp | 79.9%+1.3pp |
| Annual return | 10.06% | 386.41%-376.3pp | 321.24%-311.2pp | 145.39%-135.3pp |
| Employer contribution / active EE | $2,355 | $2,765-14.8% | $2,620-10.1% | $4,194-43.8% |
| Participant deferral / active EE | $6,070 | $4,374+38.8% | $4,084+48.6% | $6,396-5.1% |
| Admin fee / account holder | $8,529 | $5,262+62.1% | $5,098+67.3% | $12,562-32.1% |