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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 | $110,895 | $85,766+29.3% | $136,298-18.6% | $70,126+58.1% |
| Participation rate | 100.0% | 74.2%+25.8pp | 81.9%+18.1pp | 69.5%+30.5pp |
| Annual return | 11.75% | 31.46%-19.7pp | 5156.27%-5144.5pp | 73.15%-61.4pp |
| Employer contribution / active EE | $5,420 | $2,966+82.7% | $4,696+15.4% | $2,343+131.4% |
| Participant deferral / active EE | $4,197 | $5,051-16.9% | $6,247-32.8% | $3,332+26.0% |
| Admin fee / account holder | $6,377 | $5,421+17.6% | $9,244-31.0% | $4,645+37.3% |