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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 | $138,308 | $57,590+140.2% | $86,233+60.4% | $82,448+67.8% |
| Participation rate | 100.0% | 57.9%+42.1pp | 69.0%+31.0pp | 68.1%+31.9pp |
| Annual return | 13.18% | 22.41%-9.2pp | 61.39%-48.2pp | 41.64%-28.5pp |
| Employer contribution / active EE | $11,112 | $1,655+571.3% | $2,504+343.7% | $2,551+335.6% |
| Participant deferral / active EE | $6,913 | $3,080+124.5% | $4,559+51.6% | $4,139+67.0% |
| Admin fee / account holder | $5,313 | $4,730+12.3% | $8,342-36.3% | $7,234-26.6% |