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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 | $142,591 | $101,950+39.9% | $125,529+13.6% | $86,983+63.9% |
| Participation rate | 100.0% | 70.2%+29.8pp | 74.7%+25.3pp | 69.5%+30.5pp |
| Annual return | 10.82% | 18.29%-7.5pp | 202.56%-191.7pp | 25.83%-15.0pp |
| Employer contribution / active EE | $2,798 | $2,358+18.7% | $3,058-8.5% | $2,584+8.3% |
| Participant deferral / active EE | $7,825 | $3,862+102.6% | $4,813+62.6% | $4,194+86.6% |
| Admin fee / account holder | $28,595 | $12,791+123.6% | $16,298+75.5% | $7,856+264.0% |