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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 | $158,460 | $72,071+119.9% | $68,368+131.8% | $137,256+15.4% |
| Participation rate | 100.0% | 76.2%+23.8pp | 73.8%+26.2pp | 80.0%+20.0pp |
| Annual return | 12.64% | 353.14%-340.5pp | 292.57%-279.9pp | 220.34%-207.7pp |
| Employer contribution / active EE | $1,969 | $2,788-29.4% | $2,649-25.7% | $4,156-52.6% |
| Participant deferral / active EE | $9,904 | $4,410+124.6% | $4,123+140.2% | $6,407+54.6% |
| Admin fee / account holder | $1,041 | $5,336-80.5% | $5,150-79.8% | $12,270-91.5% |