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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 | $98,398 | $94,031+4.6% | $115,768-15.0% | $82,448+19.3% |
| Participation rate | 100.0% | 70.4%+29.6pp | 74.4%+25.6pp | 68.1%+31.9pp |
| Annual return | 9.89% | 20.61%-10.7pp | 100.46%-90.6pp | 41.64%-31.7pp |
| Employer contribution / active EE | $5,437 | $2,323+134.0% | $2,940+84.9% | $2,551+113.1% |
| Participant deferral / active EE | $4,944 | $3,972+24.5% | $4,917+0.6% | $4,139+19.4% |
| Admin fee / account holder | $88,626 | $10,249+764.7% | $12,439+612.5% | $7,234+1125.1% |