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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 | $144,839 | $63,861+126.8% | $104,639+38.4% | $79,856+81.4% |
| Participation rate | 100.0% | 64.9%+35.1pp | 74.1%+25.9pp | 69.6%+30.4pp |
| Annual return | 4.59% | 21.30%-16.7pp | 340.67%-336.1pp | 31.71%-27.1pp |
| Employer contribution / active EE | $2,764 | $1,588+74.0% | $2,682+3.1% | $2,471+11.9% |
| Participant deferral / active EE | $1,332 | $2,693-50.5% | $3,738-64.4% | $3,741-64.4% |
| Admin fee / account holder | $1,888 | $4,185-54.9% | $6,465-70.8% | $5,306-64.4% |