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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 | $163,141 | $85,766+90.2% | $136,297+19.7% | $70,131+132.6% |
| Participation rate | 100.0% | 74.2%+25.8pp | 81.9%+18.1pp | 69.5%+30.5pp |
| Annual return | 13.58% | 31.45%-17.9pp | 5156.16%-5142.6pp | 73.14%-59.6pp |
| Employer contribution / active EE | $9,761 | $2,966+229.1% | $4,696+107.9% | $2,342+316.7% |
| Participant deferral / active EE | $9,771 | $5,051+93.4% | $6,247+56.4% | $3,332+193.3% |
| Admin fee / account holder | $1,366 | $5,420-74.8% | $9,244-85.2% | $4,645-70.6% |