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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 | $83,713 | $65,566+27.7% | $86,235-2.9% | $75,177+11.4% |
| Participation rate | 100.0% | 60.5%+39.5pp | 69.0%+31.0pp | 67.2%+32.8pp |
| Annual return | 11.31% | 46.07%-34.8pp | 1170.03%-1158.7pp | 160.75%-149.4pp |
| Employer contribution / active EE | $6,011 | $1,553+287.0% | $2,381+152.4% | $2,671+125.0% |
| Participant deferral / active EE | $5,306 | $3,023+75.5% | $3,987+33.1% | $4,126+28.6% |
| Admin fee / account holder | $5,600 | $5,470+2.4% | $6,856-18.3% | $5,651-0.9% |