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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 | $95,800 | $77,157+24.2% | $108,405-11.6% | $85,847+11.6% |
| Participation rate | 100.0% | 74.7%+25.3pp | 80.1%+19.9pp | 69.3%+30.7pp |
| Annual return | 11.10% | 44.55%-33.4pp | 905.55%-894.4pp | 318.61%-307.5pp |
| Employer contribution / active EE | $4,682 | $2,379+96.8% | $3,559+31.5% | $2,565+82.5% |
| Participant deferral / active EE | $6,924 | $5,567+24.4% | $6,563+5.5% | $3,952+75.2% |
| Admin fee / account holder | $464 | $5,174-91.0% | $7,297-93.6% | $6,261-92.6% |