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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 | $89,818 | $102,422-12.3% | $147,117-38.9% | $80,959+10.9% |
| Participation rate | 100.0% | 75.9%+24.1pp | 82.2%+17.8pp | 67.7%+32.3pp |
| Annual return | 10.22% | 135.16%-124.9pp | 420.54%-410.3pp | 35.67%-25.5pp |
| Employer contribution / active EE | $7,014 | $3,717+88.7% | $4,932+42.2% | $2,757+154.4% |
| Participant deferral / active EE | $5,775 | $6,652-13.2% | $8,065-28.4% | $4,300+34.3% |
| Admin fee / account holder | $642 | $7,953-91.9% | $12,993-95.1% | $6,925-90.7% |