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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 | $137,682 | $89,367+54.1% | $141,191-2.5% | $72,975+88.7% |
| Participation rate | 86.2% | 75.1%+11.1pp | 82.5%+3.7pp | 69.5%+16.7pp |
| Annual return | 17.45% | 111.87%-94.4pp | 71.41%-54.0pp | 81.01%-63.6pp |
| Employer contribution / active EE | $3,210 | $3,115+3.0% | $4,736-32.2% | $2,440+31.5% |
| Participant deferral / active EE | $8,468 | $5,419+56.3% | $6,710+26.2% | $3,608+134.7% |
| Admin fee / account holder | $10,060 | $5,957+68.9% | $10,264-2.0% | $5,124+96.3% |