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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 | $29,670+224.6% | $56,054+71.8% | $80,911+19.0% |
| Participation rate | 100.0% | 41.7%+58.3pp | 52.5%+47.5pp | 67.6%+32.4pp |
| Annual return | 10.28% | 35.24%-25.0pp | 1705.95%-1695.7pp | 35.63%-25.4pp |
| Employer contribution / active EE | $5,147 | $670+668.5% | $1,039+395.4% | $2,756+86.8% |
| Participant deferral / active EE | $2,933 | $1,227+139.0% | $1,952+50.2% | $4,297-31.8% |
| Admin fee / account holder | $12,829 | $2,431+427.8% | $2,822+354.5% | $6,935+85.0% |