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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 | $162,718 | $91,198+78.4% | $178,503-8.8% | $79,856+103.8% |
| Participation rate | 100.0% | 69.2%+30.8pp | 81.9%+18.1pp | 69.6%+30.4pp |
| Annual return | 9.30% | 24.20%-14.9pp | 151.12%-141.8pp | 31.71%-22.4pp |
| Employer contribution / active EE | $9,880 | $3,257+203.4% | $5,011+97.2% | $2,471+299.8% |
| Participant deferral / active EE | $7,026 | $3,237+117.1% | $5,202+35.0% | $3,741+87.8% |
| Admin fee / account holder | $7,846 | $6,748+16.3% | $13,987-43.9% | $5,306+47.9% |