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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 | $107,647 | $84,236+27.8% | $170,435-36.8% | $70,126+53.5% |
| Participation rate | 100.0% | 70.8%+29.2pp | 83.6%+16.4pp | 69.5%+30.5pp |
| Annual return | 7.87% | 23.06%-15.2pp | 205.94%-198.1pp | 73.15%-65.3pp |
| Employer contribution / active EE | $8,012 | $3,387+136.5% | $5,432+47.5% | $2,343+242.0% |
| Participant deferral / active EE | $5,166 | $3,086+67.4% | $4,939+4.6% | $3,332+55.0% |
| Admin fee / account holder | $319 | $5,698-94.4% | $13,881-97.7% | $4,645-93.1% |