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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 | $76,256 | $107,941-29.4% | $91,994-17.1% | $152,909-50.1% |
| Participation rate | 100.0% | 81.2%+18.8pp | 78.6%+21.4pp | 82.5%+17.5pp |
| Annual return | 11.97% | 89.28%-77.3pp | 69.04%-57.1pp | 345.46%-333.5pp |
| Employer contribution / active EE | $4,822 | $4,212+14.5% | $3,453+39.7% | $4,764+1.2% |
| Participant deferral / active EE | $7,228 | $6,366+13.6% | $5,924+22.0% | $5,851+23.5% |
| Admin fee / account holder | $355 | $10,521-96.6% | $7,744-95.4% | $11,601-96.9% |