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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 | $167,732 | $99,652+68.3% | $78,778+112.9% | $147,586+13.7% |
| Participation rate | 100.0% | 76.2%+23.8pp | 69.2%+30.8pp | 82.8%+17.2pp |
| Annual return | 5.97% | 47.28%-41.3pp | 35.62%-29.6pp | 578.59%-572.6pp |
| Employer contribution / active EE | $2,550 | $2,796-8.8% | $1,986+28.4% | $4,876-47.7% |
| Participant deferral / active EE | $7,665 | $3,664+109.2% | $2,958+159.1% | $5,439+40.9% |
| Admin fee / account holder | $2,256 | $7,155-68.5% | $5,134-56.0% | $10,886-79.3% |