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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 | $67,778 | $105,200-35.6% | $159,474-57.5% | $85,847-21.0% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.8%+17.2pp | 69.3%+30.7pp |
| Annual return | 12.40% | 45.08%-32.7pp | 263.68%-251.3pp | 318.61%-306.2pp |
| Employer contribution / active EE | $4,480 | $3,319+35.0% | $4,831-7.3% | $2,565+74.6% |
| Participant deferral / active EE | $4,160 | $5,946-30.0% | $7,353-43.4% | $3,952+5.3% |
| Admin fee / account holder | $7,028 | $6,934+1.4% | $10,802-34.9% | $6,261+12.3% |