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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 | $106,454 | $68,880+54.5% | $120,580-11.7% | $80,959+31.5% |
| Participation rate | 100.0% | 61.7%+38.3pp | 72.0%+28.0pp | 67.7%+32.3pp |
| Annual return | 8.83% | 23.68%-14.9pp | 107.48%-98.7pp | 35.67%-26.8pp |
| Employer contribution / active EE | $6,458 | $2,066+212.6% | $3,469+86.2% | $2,757+134.2% |
| Participant deferral / active EE | $5,059 | $3,191+58.6% | $4,995+1.3% | $4,300+17.6% |
| Admin fee / account holder | $4,192 | $5,785-27.5% | $9,418-55.5% | $6,925-39.5% |