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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 | $222,836 | $85,766+159.8% | $136,297+63.5% | $70,124+217.8% |
| Participation rate | 100.0% | 74.2%+25.8pp | 81.9%+18.1pp | 69.5%+30.5pp |
| Annual return | 12.78% | 31.45%-18.7pp | 5156.19%-5143.4pp | 73.14%-60.4pp |
| Employer contribution / active EE | $5,243 | $2,966+76.8% | $4,696+11.7% | $2,342+123.8% |
| Participant deferral / active EE | $8,383 | $5,051+66.0% | $6,247+34.2% | $3,332+151.6% |
| Admin fee / account holder | $13,030 | $5,420+140.4% | $9,244+41.0% | $4,645+180.5% |