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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 | $168,281 | $107,363+56.7% | $92,909+81.1% | $152,897+10.1% |
| Participation rate | 100.0% | 79.8%+20.2pp | 76.0%+24.0pp | 82.5%+17.5pp |
| Annual return | 9.95% | 145.63%-135.7pp | 109.44%-99.5pp | 345.43%-335.5pp |
| Employer contribution / active EE | $11,730 | $4,222+177.8% | $3,653+221.1% | $4,764+146.3% |
| Participant deferral / active EE | $10,747 | $4,848+121.7% | $4,238+153.6% | $5,851+83.7% |
| Admin fee / account holder | $3,144 | $7,082-55.6% | $5,795-45.8% | $11,599-72.9% |