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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 | $88,574 | $77,358+14.5% | $102,184-13.3% | $87,485+1.2% |
| Participation rate | 100.0% | 78.7%+21.3pp | 82.6%+17.4pp | 68.9%+31.1pp |
| Annual return | 14.12% | 41.11%-27.0pp | 31.58%-17.5pp | 26.06%-11.9pp |
| Employer contribution / active EE | $5,466 | $2,562+113.4% | $3,594+52.1% | $2,596+110.6% |
| Participant deferral / active EE | $5,242 | $6,753-22.4% | $8,309-36.9% | $4,274+22.7% |
| Admin fee / account holder | $24,998 | $6,809+267.1% | $11,609+115.3% | $7,775+221.5% |