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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 | $176,465 | $91,536+92.8% | $130,062+35.7% | $75,177+134.7% |
| Participation rate | 100.0% | 71.5%+28.5pp | 78.5%+21.5pp | 67.2%+32.8pp |
| Annual return | 11.83% | -631.62%+643.4pp | -137.37%+149.2pp | 160.75%-148.9pp |
| Employer contribution / active EE | $3,102 | $2,845+9.0% | $4,322-28.2% | $2,671+16.1% |
| Participant deferral / active EE | $11,384 | $4,343+162.1% | $5,821+95.6% | $4,126+175.9% |
| Admin fee / account holder | $5,371 | $6,780-20.8% | $10,601-49.3% | $5,651-5.0% |