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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 | $118,173 | $77,164+53.1% | $178,014-33.6% | $80,874+46.1% |
| Participation rate | 82.8% | 65.7%+17.1pp | 77.1%+5.7pp | 67.6%+15.1pp |
| Annual return | 9.31% | 18.09%-8.8pp | 294.80%-285.5pp | 35.62%-26.3pp |
| Employer contribution / active EE | $8,499 | $2,288+271.5% | $3,950+115.2% | $2,756+208.4% |
| Participant deferral / active EE | $6,974 | $4,408+58.2% | $6,276+11.1% | $4,297+62.3% |
| Admin fee / account holder | $14,828 | $7,164+107.0% | $10,362+43.1% | $6,935+113.8% |