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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 | $74,384 | $227,597-67.3% | $189,575-60.8% | $167,536-55.6% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.4%+21.6pp | 82.1%+17.9pp |
| Annual return | 7.13% | 78.44%-71.3pp | 64.19%-57.1pp | 478.82%-471.7pp |
| Employer contribution / active EE | $3,024 | $5,316-43.1% | $4,412-31.5% | $4,839-37.5% |
| Participant deferral / active EE | $14,044 | $7,002+100.6% | $6,174+127.5% | $6,342+121.4% |
| Admin fee / account holder | $20,083 | $11,877+69.1% | $9,806+104.8% | $12,315+63.1% |