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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 | $89,208 | $217,432-59.0% | $185,849-52.0% | $167,536-46.8% |
| Participation rate | 100.0% | 86.1%+13.9pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 1.92% | 148.42%-146.5pp | 122.10%-120.2pp | 478.82%-476.9pp |
| Employer contribution / active EE | $12,918 | $5,875+119.9% | $5,169+149.9% | $4,839+166.9% |
| Participant deferral / active EE | $10,663 | $6,357+67.7% | $5,569+91.5% | $6,342+68.1% |
| Admin fee / account holder | $9,217 | $19,818-53.5% | $16,244-43.3% | $12,315-25.2% |