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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 | $99,112 | $68,398+44.9% | $94,664+4.7% | $75,173+31.8% |
| Participation rate | 100.0% | 76.1%+23.9pp | 80.8%+19.2pp | 67.2%+32.8pp |
| Annual return | 12.76% | 616.72%-604.0pp | 156.84%-144.1pp | 160.72%-148.0pp |
| Employer contribution / active EE | $4,728 | $2,701+75.1% | $3,673+28.7% | $2,671+77.0% |
| Participant deferral / active EE | $5,761 | $6,537-11.9% | $7,417-22.3% | $4,126+39.6% |
| Admin fee / account holder | $1,899 | $5,324-64.3% | $7,222-73.7% | $5,651-66.4% |