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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 | $219,530 | $105,856+107.4% | $90,161+143.5% | $147,586+48.7% |
| Participation rate | 100.0% | 79.7%+20.3pp | 76.9%+23.1pp | 82.8%+17.2pp |
| Annual return | 4.92% | 37.63%-32.7pp | 34.89%-30.0pp | 578.59%-573.7pp |
| Employer contribution / active EE | $0 | $4,126-100.0% | $3,318-100.0% | $4,876-100.0% |
| Participant deferral / active EE | $9,881 | $5,733+72.4% | $5,287+86.9% | $5,439+81.7% |
| Admin fee / account holder | $2,860 | $8,046-64.5% | $5,943-51.9% | $10,886-73.7% |