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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 | $205,156 | $148,582+38.1% | $135,942+50.9% | $139,456+47.1% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 10.11% | 79.26%-69.1pp | 68.28%-58.2pp | 373.45%-363.3pp |
| Employer contribution / active EE | $1,750 | $5,245-66.6% | $4,858-64.0% | $4,753-63.2% |
| Participant deferral / active EE | $5,783 | $8,101-28.6% | $7,759-25.5% | $6,711-13.8% |
| Admin fee / account holder | $153,456 | $12,402+1137.3% | $10,764+1325.6% | $11,407+1245.3% |