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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 | $210,778 | $101,618+107.4% | $93,063+126.5% | $137,256+53.6% |
| Participation rate | 100.0% | 74.9%+25.1pp | 72.1%+27.9pp | 80.0%+20.0pp |
| Annual return | 7.62% | 223.95%-216.3pp | 34.15%-26.5pp | 220.34%-212.7pp |
| Employer contribution / active EE | $16,881 | $2,707+523.6% | $2,476+581.8% | $4,156+306.2% |
| Participant deferral / active EE | $11,155 | $4,279+160.7% | $3,958+181.8% | $6,407+74.1% |
| Admin fee / account holder | $30,072 | $6,198+385.1% | $6,033+398.4% | $12,270+145.1% |