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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 | $181,041 | $105,960+70.9% | $81,726+121.5% | $158,982+13.9% |
| Participation rate | 100.0% | 75.6%+24.4pp | 72.0%+28.0pp | 82.0%+18.0pp |
| Annual return | 0.09% | 38.19%-38.1pp | 29.49%-29.4pp | 302.99%-302.9pp |
| Employer contribution / active EE | $13,959 | $7,805+78.8% | $4,311+223.8% | $4,763+193.1% |
| Participant deferral / active EE | $3,293 | $13,011-74.7% | $7,108-53.7% | $5,983-45.0% |
| Admin fee / account holder | $1,591 | $8,494-81.3% | $5,160-69.2% | $11,252-85.9% |