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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 | $165,747 | $115,814+43.1% | $101,275+63.7% | $158,982+4.3% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.8%+24.2pp | 82.0%+18.0pp |
| Annual return | 4.81% | 56.16%-51.3pp | 46.48%-41.7pp | 302.99%-298.2pp |
| Employer contribution / active EE | $2,417 | $4,176-42.1% | $3,660-34.0% | $4,763-49.3% |
| Participant deferral / active EE | $8,188 | $4,958+65.1% | $4,371+87.3% | $5,983+36.8% |
| Admin fee / account holder | $35,360 | $7,249+387.8% | $5,948+494.5% | $11,252+214.3% |