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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 | $121,439 | $48,053+152.7% | $84,628+43.5% | $72,975+66.4% |
| Participation rate | 84.8% | 57.6%+27.2pp | 68.2%+16.5pp | 69.5%+15.3pp |
| Annual return | 15.92% | 37.39%-21.5pp | 258.80%-242.9pp | 81.01%-65.1pp |
| Employer contribution / active EE | $5,745 | $1,602+258.6% | $2,653+116.5% | $2,440+135.4% |
| Participant deferral / active EE | $13,580 | $2,681+406.6% | $3,900+248.2% | $3,608+276.4% |
| Admin fee / account holder | $16,376 | $3,395+382.3% | $4,914+233.3% | $5,124+219.6% |