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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 | $170,792 | $111,878+52.7% | $93,727+82.2% | $145,897+17.1% |
| Participation rate | 100.0% | 74.2%+25.8pp | 68.7%+31.3pp | 80.3%+19.7pp |
| Annual return | 7.37% | 204.28%-196.9pp | 133.83%-126.5pp | 552.29%-544.9pp |
| Employer contribution / active EE | $1,505 | $3,092-51.3% | $2,421-37.8% | $4,663-67.7% |
| Participant deferral / active EE | $13,500 | $4,920+174.4% | $4,417+205.6% | $6,689+101.8% |
| Admin fee / account holder | $2,234 | $10,256-78.2% | $8,292-73.1% | $13,390-83.3% |