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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 | $183,053 | $86,288+112.1% | $111,306+64.5% | $85,851+113.2% |
| Participation rate | 100.0% | 73.3%+26.7pp | 77.3%+22.7pp | 69.3%+30.7pp |
| Annual return | 10.47% | 19.99%-9.5pp | 54.67%-44.2pp | 318.63%-308.2pp |
| Employer contribution / active EE | $4,724 | $2,044+131.1% | $2,732+72.9% | $2,565+84.1% |
| Participant deferral / active EE | $5,084 | $3,641+39.6% | $4,488+13.3% | $3,952+28.6% |
| Admin fee / account holder | $2,161 | $8,189-73.6% | $7,966-72.9% | $6,261-65.5% |