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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 | $121,820 | $107,341+13.5% | $92,897+31.1% | $152,870-20.3% |
| Participation rate | 100.0% | 79.8%+20.2pp | 76.0%+24.0pp | 82.4%+17.6pp |
| Annual return | 4.54% | 145.59%-141.1pp | 109.42%-104.9pp | 345.34%-340.8pp |
| Employer contribution / active EE | $2,102 | $4,221-50.2% | $3,653-42.5% | $4,763-55.9% |
| Participant deferral / active EE | $5,088 | $4,847+5.0% | $4,238+20.1% | $5,850-13.0% |
| Admin fee / account holder | $309 | $7,080-95.6% | $5,794-94.7% | $11,597-97.3% |