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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 | $166,644 | $55,713+199.1% | $75,901+119.6% | $72,975+128.4% |
| Participation rate | 100.0% | 61.1%+38.9pp | 69.3%+30.7pp | 69.5%+30.5pp |
| Annual return | 14.15% | 27.60%-13.4pp | 30.76%-16.6pp | 81.01%-66.9pp |
| Employer contribution / active EE | $12,067 | $1,687+615.3% | $2,501+382.5% | $2,440+394.5% |
| Participant deferral / active EE | $8,258 | $2,634+213.5% | $3,603+129.2% | $3,608+128.9% |
| Admin fee / account holder | $1,086 | $3,980-72.7% | $5,420-80.0% | $5,124-78.8% |