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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 | $167,768 | $69,248+142.3% | $64,101+161.7% | $139,466+20.3% |
| Participation rate | 100.0% | 75.6%+24.4pp | 72.3%+27.7pp | 80.3%+19.7pp |
| Annual return | 6.01% | 45.95%-39.9pp | 33.72%-27.7pp | 373.66%-367.6pp |
| Employer contribution / active EE | $23,335 | $3,185+632.7% | $2,749+749.0% | $4,754+390.8% |
| Participant deferral / active EE | $13,500 | $4,682+188.3% | $3,881+247.9% | $6,712+101.1% |
| Admin fee / account holder | $5,162 | $4,247+21.5% | $3,070+68.1% | $11,409-54.8% |