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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 | $119,228 | $47,944+148.7% | $67,834+75.8% | $62,881+89.6% |
| Participation rate | 100.0% | 61.1%+38.9pp | 68.8%+31.2pp | 69.3%+30.7pp |
| Annual return | 3.50% | 11.77%-8.3pp | 138.47%-135.0pp | 20.14%-16.6pp |
| Employer contribution / active EE | $9,948 | $1,562+536.9% | $2,403+313.9% | $2,281+336.2% |
| Participant deferral / active EE | $7,575 | $2,247+237.2% | $3,160+139.7% | $3,203+136.5% |
| Admin fee / account holder | $319 | $3,712-91.4% | $4,622-93.1% | $4,296-92.6% |