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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 | $129,187 | $77,817+66.0% | $123,553+4.6% | $64,173+101.3% |
| Participation rate | 100.0% | 74.7%+25.3pp | 82.3%+17.7pp | 69.6%+30.4pp |
| Annual return | -9.14% | 12.49%-21.6pp | 119.21%-128.3pp | 7.63%-16.8pp |
| Employer contribution / active EE | $7,123 | $3,014+136.3% | $4,628+53.9% | $2,381+199.2% |
| Participant deferral / active EE | $5,933 | $5,240+13.2% | $6,426-7.7% | $3,470+71.0% |
| Admin fee / account holder | $2,383 | $5,519-56.8% | $9,284-74.3% | $4,887-51.3% |