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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 | $179,154 | $118,877+50.7% | $96,570+85.5% | $167,536+6.9% |
| Participation rate | 100.0% | 75.5%+24.5pp | 69.8%+30.2pp | 82.1%+17.9pp |
| Annual return | 7.68% | 50.50%-42.8pp | 37.79%-30.1pp | 478.82%-471.1pp |
| Employer contribution / active EE | $6,070 | $3,121+94.5% | $2,357+157.5% | $4,839+25.4% |
| Participant deferral / active EE | $5,521 | $4,617+19.6% | $3,849+43.4% | $6,342-12.9% |
| Admin fee / account holder | $440 | $8,069-94.5% | $6,182-92.9% | $12,315-96.4% |