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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 | $112,742 | $102,393+10.1% | $147,041-23.3% | $80,911+39.3% |
| Participation rate | 85.2% | 75.9%+9.3pp | 82.2%+3.0pp | 67.6%+17.5pp |
| Annual return | 11.11% | 134.95%-123.8pp | 419.21%-408.1pp | 35.63%-24.5pp |
| Employer contribution / active EE | $4,840 | $3,715+30.3% | $4,935-1.9% | $2,756+75.6% |
| Participant deferral / active EE | $13,053 | $6,647+96.4% | $8,071+61.7% | $4,297+203.8% |
| Admin fee / account holder | $21,999 | $7,943+176.9% | $13,006+69.1% | $6,935+217.2% |