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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 | $135,472 | $102,422+32.3% | $147,117-7.9% | $80,959+67.3% |
| Participation rate | 100.0% | 75.9%+24.1pp | 82.2%+17.8pp | 67.7%+32.3pp |
| Annual return | 10.75% | 135.16%-124.4pp | 420.54%-409.8pp | 35.67%-24.9pp |
| Employer contribution / active EE | $2,523 | $3,717-32.1% | $4,932-48.8% | $2,757-8.5% |
| Participant deferral / active EE | $5,948 | $6,652-10.6% | $8,065-26.2% | $4,300+38.3% |
| Admin fee / account holder | $5,581 | $7,953-29.8% | $12,993-57.0% | $6,925-19.4% |