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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 | $219,067 | $111,830+95.9% | $93,696+133.8% | $145,884+50.2% |
| Participation rate | 100.0% | 74.2%+25.8pp | 68.7%+31.3pp | 80.3%+19.7pp |
| Annual return | 7.26% | 204.08%-196.8pp | 133.74%-126.5pp | 551.85%-544.6pp |
| Employer contribution / active EE | $6,052 | $3,093+95.7% | $2,422+149.9% | $4,662+29.8% |
| Participant deferral / active EE | $8,395 | $4,920+70.6% | $4,417+90.1% | $6,690+25.5% |
| Admin fee / account holder | $2,003 | $10,249-80.5% | $8,287-75.8% | $13,392-85.0% |