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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 | $74,275 | $85,171-12.8% | $172,753-57.0% | $72,976+1.8% |
| Participation rate | 100.0% | 70.1%+29.9pp | 82.6%+17.4pp | 69.5%+30.5pp |
| Annual return | 14.76% | 27.32%-12.6pp | 803.00%-788.2pp | 81.02%-66.3pp |
| Employer contribution / active EE | $7,415 | $3,324+123.1% | $5,144+44.2% | $2,440+203.9% |
| Participant deferral / active EE | $5,382 | $3,260+65.1% | $5,198+3.5% | $3,608+49.2% |
| Admin fee / account holder | $14,408 | $5,880+145.0% | $13,956+3.2% | $5,124+181.2% |