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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 | $167,553 | $70,366+138.1% | $66,674+151.3% | $138,895+20.6% |
| Participation rate | 100.0% | 76.2%+23.8pp | 73.7%+26.3pp | 79.9%+20.1pp |
| Annual return | 9.11% | 386.41%-377.3pp | 321.24%-312.1pp | 145.39%-136.3pp |
| Employer contribution / active EE | $7,192 | $2,765+160.1% | $2,620+174.5% | $4,194+71.5% |
| Participant deferral / active EE | $13,903 | $4,374+217.8% | $4,084+240.4% | $6,396+117.4% |
| Admin fee / account holder | $14,450 | $5,262+174.6% | $5,098+183.4% | $12,562+15.0% |