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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 | $122,088 | $85,171+43.3% | $172,752-29.3% | $72,975+67.3% |
| Participation rate | 100.0% | 70.1%+29.9pp | 82.6%+17.4pp | 69.5%+30.5pp |
| Annual return | 14.31% | 27.32%-13.0pp | 802.97%-788.7pp | 81.01%-66.7pp |
| Employer contribution / active EE | $5,671 | $3,324+70.6% | $5,144+10.2% | $2,440+132.4% |
| Participant deferral / active EE | $4,883 | $3,260+49.8% | $5,198-6.1% | $3,608+35.4% |
| Admin fee / account holder | $1,940 | $5,880-67.0% | $13,955-86.1% | $5,124-62.1% |