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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 | $125,691 | $98,776+27.2% | $149,745-16.1% | $79,856+57.4% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.5%+17.5pp | 69.6%+30.4pp |
| Annual return | 8.16% | 27.38%-19.2pp | 276.72%-268.6pp | 31.71%-23.5pp |
| Employer contribution / active EE | $13,739 | $3,217+327.0% | $4,646+195.7% | $2,471+455.9% |
| Participant deferral / active EE | $6,353 | $5,681+11.8% | $6,843-7.2% | $3,741+69.8% |
| Admin fee / account holder | $522 | $6,053-91.4% | $9,312-94.4% | $5,306-90.2% |