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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 | $179,274 | $115,814+54.8% | $101,275+77.0% | $158,982+12.8% |
| Participation rate | 81.8% | 79.4%+2.4pp | 75.8%+6.0pp | 82.0%-0.1pp |
| Annual return | 5.46% | 56.16%-50.7pp | 46.48%-41.0pp | 302.99%-297.5pp |
| Employer contribution / active EE | $14,309 | $4,176+242.7% | $3,660+291.0% | $4,763+200.4% |
| Participant deferral / active EE | $1,773 | $4,958-64.2% | $4,371-59.4% | $5,983-70.4% |
| Admin fee / account holder | $48,702 | $7,249+571.9% | $5,948+718.8% | $11,252+332.8% |