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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 | $210,587 | $110,801+90.1% | $86,615+143.1% | $167,536+25.7% |
| Participation rate | 83.3% | 75.8%+7.6pp | 71.6%+11.7pp | 82.1%+1.2pp |
| Annual return | 3.70% | 116.96%-113.3pp | 63.51%-59.8pp | 478.82%-475.1pp |
| Employer contribution / active EE | $10,653 | $3,245+228.3% | $2,496+326.9% | $4,839+120.1% |
| Participant deferral / active EE | $11,038 | $4,547+142.8% | $3,699+198.4% | $6,342+74.0% |
| Admin fee / account holder | $5,825 | $8,417-30.8% | $5,830-0.1% | $12,315-52.7% |