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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 | $58,848+135.0% | $88,179+56.9% | $82,637+67.4% |
| Participation rate | 100.0% | 57.9%+42.1pp | 69.1%+30.9pp | 68.1%+31.9pp |
| Annual return | 13.18% | 22.76%-9.6pp | 64.97%-51.8pp | 53.51%-40.3pp |
| Employer contribution / active EE | $11,112 | $1,678+562.1% | $2,549+335.9% | $2,552+335.4% |
| Participant deferral / active EE | $6,913 | $3,124+121.3% | $4,614+49.8% | $4,126+67.6% |
| Admin fee / account holder | $5,313 | $4,795+10.8% | $7,673-30.8% | $7,339-27.6% |