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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 | $115,448 | $55,902+106.5% | $76,030+51.8% | $80,959+42.6% |
| Participation rate | 100.0% | 62.1%+37.9pp | 69.1%+30.9pp | 67.7%+32.3pp |
| Annual return | 10.06% | 20.59%-10.5pp | 361.54%-351.5pp | 35.67%-25.6pp |
| Employer contribution / active EE | $6,378 | $1,867+241.7% | $2,688+137.3% | $2,757+131.3% |
| Participant deferral / active EE | $2,758 | $3,051-9.6% | $4,257-35.2% | $4,300-35.9% |
| Admin fee / account holder | $517 | $5,239-90.1% | $6,421-92.0% | $6,925-92.5% |