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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 | $29,716+224.1% | $56,077+71.7% | $80,925+19.0% |
| Participation rate | 100.0% | 41.7%+58.3pp | 52.5%+47.5pp | 67.7%+32.3pp |
| Annual return | 10.28% | 35.30%-25.0pp | 1709.28%-1699.0pp | 35.65%-25.4pp |
| Employer contribution / active EE | $5,147 | $671+667.1% | $1,040+394.8% | $2,756+86.7% |
| Participant deferral / active EE | $2,933 | $1,228+138.7% | $1,954+50.1% | $4,299-31.8% |
| Admin fee / account holder | $12,829 | $2,432+427.5% | $2,825+354.2% | $6,940+84.9% |