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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 | $85,108 | $85,766-0.8% | $136,298-37.6% | $70,126+21.4% |
| Participation rate | 100.0% | 74.2%+25.8pp | 81.9%+18.1pp | 69.5%+30.5pp |
| Annual return | 12.90% | 31.46%-18.6pp | 5156.27%-5143.4pp | 73.15%-60.3pp |
| Employer contribution / active EE | $5,317 | $2,966+79.3% | $4,696+13.2% | $2,343+127.0% |
| Participant deferral / active EE | $7,340 | $5,051+45.3% | $6,247+17.5% | $3,332+120.3% |
| Admin fee / account holder | $3,099 | $5,421-42.8% | $9,244-66.5% | $4,645-33.3% |