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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 | $125,660 | $103,392+21.5% | $87,104+44.3% | $152,897-17.8% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.9%+23.1pp | 82.5%+17.5pp |
| Annual return | 6.32% | 28.10%-21.8pp | 28.19%-21.9pp | 345.43%-339.1pp |
| Employer contribution / active EE | $2,849 | $3,221-11.5% | $2,521+13.0% | $4,764-40.2% |
| Participant deferral / active EE | $8,908 | $4,778+86.4% | $4,048+120.0% | $5,851+52.2% |
| Admin fee / account holder | $40,826 | $12,194+234.8% | $7,491+445.0% | $11,599+252.0% |