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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 | $105,558 | $72,071+46.5% | $68,368+54.4% | $137,256-23.1% |
| Participation rate | 94.7% | 76.2%+18.5pp | 73.8%+21.0pp | 80.0%+14.8pp |
| Annual return | 11.32% | 353.14%-341.8pp | 292.57%-281.2pp | 220.34%-209.0pp |
| Employer contribution / active EE | $907 | $2,788-67.5% | $2,649-65.8% | $4,156-78.2% |
| Participant deferral / active EE | $4,067 | $4,410-7.8% | $4,123-1.4% | $6,407-36.5% |
| Admin fee / account holder | $9,597 | $5,336+79.9% | $5,150+86.4% | $12,270-21.8% |