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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 | $83,278 | $85,766-2.9% | $136,298-38.9% | $70,126+18.8% |
| Participation rate | 100.0% | 74.2%+25.8pp | 81.9%+18.1pp | 69.5%+30.5pp |
| Annual return | 12.39% | 31.46%-19.1pp | 5156.27%-5143.9pp | 73.15%-60.8pp |
| Employer contribution / active EE | $7,127 | $2,966+140.3% | $4,696+51.8% | $2,343+204.3% |
| Participant deferral / active EE | $6,545 | $5,051+29.6% | $6,247+4.8% | $3,332+96.4% |
| Admin fee / account holder | $1,624 | $5,421-70.0% | $9,244-82.4% | $4,645-65.0% |