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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 | $70,896 | $85,766-17.3% | $136,298-48.0% | $70,126+1.1% |
| Participation rate | 100.0% | 74.2%+25.8pp | 81.9%+18.1pp | 69.5%+30.5pp |
| Annual return | 11.26% | 31.46%-20.2pp | 5156.27%-5145.0pp | 73.15%-61.9pp |
| Employer contribution / active EE | $8,065 | $2,966+171.9% | $4,696+71.7% | $2,343+244.3% |
| Participant deferral / active EE | $2,678 | $5,051-47.0% | $6,247-57.1% | $3,332-19.6% |
| Admin fee / account holder | $2,208 | $5,421-59.3% | $9,244-76.1% | $4,645-52.5% |