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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 | $146,069 | $115,814+26.1% | $101,275+44.2% | $158,982-8.1% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.8%+24.2pp | 82.0%+18.0pp |
| Annual return | 6.32% | 56.16%-49.8pp | 46.48%-40.2pp | 302.99%-296.7pp |
| Employer contribution / active EE | $2,340 | $4,176-44.0% | $3,660-36.1% | $4,763-50.9% |
| Participant deferral / active EE | $5,195 | $4,958+4.8% | $4,371+18.9% | $5,983-13.2% |
| Admin fee / account holder | $1,515 | $7,249-79.1% | $5,948-74.5% | $11,252-86.5% |