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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 | $212,317 | $110,379+92.4% | $102,412+107.3% | $145,884+45.5% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 8.50% | 24.84%-16.3pp | 24.94%-16.4pp | 551.85%-543.4pp |
| Employer contribution / active EE | $11,796 | $4,216+179.8% | $3,870+204.8% | $4,662+153.0% |
| Participant deferral / active EE | $12,180 | $5,622+116.7% | $5,060+140.7% | $6,690+82.1% |
| Admin fee / account holder | $8,233 | $9,745-15.5% | $8,388-1.8% | $13,392-38.5% |