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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 | $94,436+4.2% | $115,599-14.9% | $82,637+19.1% |
| Participation rate | 100.0% | 70.4%+29.6pp | 74.3%+25.7pp | 68.1%+31.9pp |
| Annual return | 9.89% | 18.37%-8.5pp | 111.10%-101.2pp | 53.51%-43.6pp |
| Employer contribution / active EE | $5,437 | $2,324+134.0% | $2,955+84.0% | $2,552+113.0% |
| Participant deferral / active EE | $4,944 | $3,955+25.0% | $4,889+1.1% | $4,126+19.8% |
| Admin fee / account holder | $88,626 | $10,328+758.1% | $12,841+590.2% | $7,339+1107.6% |