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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 | $133,274 | $102,422+30.1% | $147,117-9.4% | $80,959+64.6% |
| Participation rate | 100.0% | 75.9%+24.1pp | 82.2%+17.8pp | 67.7%+32.3pp |
| Annual return | 10.95% | 135.16%-124.2pp | 420.54%-409.6pp | 35.67%-24.7pp |
| Employer contribution / active EE | $5,912 | $3,717+59.0% | $4,932+19.9% | $2,757+114.4% |
| Participant deferral / active EE | $8,324 | $6,652+25.1% | $8,065+3.2% | $4,300+93.6% |
| Admin fee / account holder | $18,255 | $7,953+129.5% | $12,993+40.5% | $6,925+163.6% |