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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 | $96,310 | $29,733+223.9% | $56,025+71.9% | $80,959+19.0% |
| Participation rate | 100.0% | 41.7%+58.3pp | 52.5%+47.5pp | 67.7%+32.3pp |
| Annual return | 10.28% | 35.28%-25.0pp | 1712.69%-1702.4pp | 35.67%-25.4pp |
| Employer contribution / active EE | $5,147 | $672+666.2% | $1,042+394.2% | $2,757+86.7% |
| Participant deferral / active EE | $2,933 | $1,229+138.5% | $1,955+50.0% | $4,300-31.8% |
| Admin fee / account holder | $12,829 | $2,434+427.2% | $2,828+353.6% | $6,925+85.3% |