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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 | $92,083 | $72,071+27.8% | $68,368+34.7% | $137,256-32.9% |
| Participation rate | 100.0% | 76.2%+23.8pp | 73.8%+26.2pp | 80.0%+20.0pp |
| Annual return | 12.18% | 353.14%-341.0pp | 292.57%-280.4pp | 220.34%-208.2pp |
| Employer contribution / active EE | $2,111 | $2,788-24.3% | $2,649-20.3% | $4,156-49.2% |
| Participant deferral / active EE | $5,383 | $4,410+22.1% | $4,123+30.6% | $6,407-16.0% |
| Admin fee / account holder | $556 | $5,336-89.6% | $5,150-89.2% | $12,270-95.5% |