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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 | $101,777 | $85,766+18.7% | $136,297-25.3% | $70,124+45.1% |
| Participation rate | 100.0% | 74.2%+25.8pp | 81.9%+18.1pp | 69.5%+30.5pp |
| Annual return | 13.86% | 31.45%-17.6pp | 5156.19%-5142.3pp | 73.14%-59.3pp |
| Employer contribution / active EE | $5,251 | $2,966+77.0% | $4,696+11.8% | $2,342+124.2% |
| Participant deferral / active EE | $4,784 | $5,051-5.3% | $6,247-23.4% | $3,332+43.6% |
| Admin fee / account holder | $2,649 | $5,420-51.1% | $9,244-71.3% | $4,645-43.0% |