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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 | $216,602 | $70,366+207.8% | $66,674+224.9% | $138,895+55.9% |
| Participation rate | 100.0% | 76.2%+23.8pp | 73.7%+26.3pp | 79.9%+20.1pp |
| Annual return | 11.74% | 386.41%-374.7pp | 321.24%-309.5pp | 145.39%-133.7pp |
| Employer contribution / active EE | $4,274 | $2,765+54.6% | $2,620+63.1% | $4,194+1.9% |
| Participant deferral / active EE | $6,961 | $4,374+59.1% | $4,084+70.4% | $6,396+8.8% |
| Admin fee / account holder | $7,854 | $5,262+49.3% | $5,098+54.1% | $12,562-37.5% |