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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 | $133,800 | $97,125+37.8% | $86,233+55.2% | $137,256-2.5% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.0%+31.0pp | 80.0%+20.0pp |
| Annual return | 2.42% | 74.19%-71.8pp | 61.39%-59.0pp | 220.34%-217.9pp |
| Employer contribution / active EE | $9,596 | $2,841+237.7% | $2,504+283.2% | $4,156+130.9% |
| Participant deferral / active EE | $11,250 | $5,180+117.2% | $4,559+146.8% | $6,407+75.6% |
| Admin fee / account holder | $18,891 | $9,725+94.3% | $8,342+126.5% | $12,270+54.0% |