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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 | $203,669 | $117,444+73.4% | $99,479+104.7% | $152,909+33.2% |
| Participation rate | 100.0% | 77.5%+22.5pp | 73.8%+26.2pp | 82.5%+17.5pp |
| Annual return | 3.96% | 31.87%-27.9pp | 30.72%-26.8pp | 345.46%-341.5pp |
| Employer contribution / active EE | $11,164 | $3,014+270.4% | $2,540+339.5% | $4,764+134.4% |
| Participant deferral / active EE | $4,356 | $4,086+6.6% | $3,619+20.4% | $5,851-25.6% |
| Admin fee / account holder | $14,983 | $7,635+96.2% | $6,253+139.6% | $11,601+29.2% |