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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 | $98,578 | $78,428+25.7% | $95,960+2.7% | $79,852+23.5% |
| Participation rate | 100.0% | 73.5%+26.5pp | 77.1%+22.9pp | 69.6%+30.4pp |
| Annual return | 9.11% | 19.37%-10.3pp | 91.63%-82.5pp | 31.72%-22.6pp |
| Employer contribution / active EE | $6,727 | $1,945+245.8% | $2,541+164.7% | $2,471+172.2% |
| Participant deferral / active EE | $12,073 | $3,440+251.0% | $4,167+189.8% | $3,740+222.8% |
| Admin fee / account holder | $568 | $5,622-89.9% | $6,797-91.6% | $5,306-89.3% |