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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 | $147,855 | $118,869+24.4% | $96,575+53.1% | $167,518-11.7% |
| Participation rate | 100.0% | 75.5%+24.5pp | 69.8%+30.2pp | 82.1%+17.9pp |
| Annual return | 8.23% | 50.49%-42.3pp | 37.79%-29.6pp | 478.71%-470.5pp |
| Employer contribution / active EE | $1,761 | $3,120-43.6% | $2,357-25.3% | $4,838-63.6% |
| Participant deferral / active EE | $7,026 | $4,616+52.2% | $3,849+82.5% | $6,342+10.8% |
| Admin fee / account holder | $2,155 | $8,067-73.3% | $6,182-65.1% | $12,312-82.5% |