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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 | $80,286 | $65,555+22.5% | $86,216-6.9% | $75,173+6.8% |
| Participation rate | 100.0% | 60.5%+39.5pp | 69.0%+31.0pp | 67.2%+32.8pp |
| Annual return | 12.56% | 46.07%-33.5pp | 1169.42%-1156.9pp | 160.72%-148.2pp |
| Employer contribution / active EE | $6,341 | $1,553+308.2% | $2,382+166.3% | $2,671+137.4% |
| Participant deferral / active EE | $3,538 | $3,023+17.0% | $3,986-11.2% | $4,126-14.3% |
| Admin fee / account holder | $1,297 | $5,469-76.3% | $6,853-81.1% | $5,651-77.0% |