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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 | $176,546 | $107,353+64.5% | $92,903+90.0% | $152,885+15.5% |
| Participation rate | 100.0% | 79.8%+20.2pp | 76.0%+24.0pp | 82.5%+17.5pp |
| Annual return | 6.08% | 145.62%-139.5pp | 109.43%-103.4pp | 345.39%-339.3pp |
| Employer contribution / active EE | $2,500 | $4,222-40.8% | $3,653-31.6% | $4,763-47.5% |
| Participant deferral / active EE | $17,050 | $4,848+251.7% | $4,238+302.3% | $5,851+191.4% |
| Admin fee / account holder | $5,954 | $7,081-15.9% | $5,795+2.8% | $11,598-48.7% |