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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 | $204,123 | $70,366+190.1% | $66,674+206.2% | $138,895+47.0% |
| Participation rate | 100.0% | 76.2%+23.8pp | 73.7%+26.3pp | 79.9%+20.1pp |
| Annual return | 8.56% | 386.41%-377.9pp | 321.24%-312.7pp | 145.39%-136.8pp |
| Employer contribution / active EE | $3,769 | $2,765+36.3% | $2,620+43.8% | $4,194-10.1% |
| Participant deferral / active EE | $13,797 | $4,374+215.4% | $4,084+237.8% | $6,396+115.7% |
| Admin fee / account holder | $37,202 | $5,262+606.9% | $5,098+629.7% | $12,562+196.1% |