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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 | $132,141 | $103,008+28.3% | $90,304+46.3% | $152,897-13.6% |
| Participation rate | 100.0% | 75.9%+24.1pp | 73.3%+26.7pp | 82.5%+17.5pp |
| Annual return | 8.16% | 95.22%-87.1pp | 78.13%-70.0pp | 345.43%-337.3pp |
| Employer contribution / active EE | $2,648 | $3,139-15.7% | $2,855-7.2% | $4,764-44.4% |
| Participant deferral / active EE | $9,447 | $4,281+120.7% | $3,885+143.2% | $5,851+61.5% |
| Admin fee / account holder | $4,665 | $6,175-24.4% | $5,354-12.9% | $11,599-59.8% |