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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 | $83,658 | $102,422-18.3% | $147,117-43.1% | $80,959+3.3% |
| Participation rate | 100.0% | 75.9%+24.1pp | 82.2%+17.8pp | 67.7%+32.3pp |
| Annual return | 11.54% | 135.16%-123.6pp | 420.54%-409.0pp | 35.67%-24.1pp |
| Employer contribution / active EE | $2,082 | $3,717-44.0% | $4,932-57.8% | $2,757-24.5% |
| Participant deferral / active EE | $7,137 | $6,652+7.3% | $8,065-11.5% | $4,300+66.0% |
| Admin fee / account holder | $4,719 | $7,953-40.7% | $12,993-63.7% | $6,925-31.9% |