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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 | $95,913 | $107,941-11.1% | $91,994+4.3% | $152,897-37.3% |
| Participation rate | 100.0% | 81.2%+18.8pp | 78.6%+21.4pp | 82.5%+17.5pp |
| Annual return | 13.15% | 89.28%-76.1pp | 69.04%-55.9pp | 345.43%-332.3pp |
| Employer contribution / active EE | $6,248 | $4,212+48.3% | $3,453+81.0% | $4,764+31.2% |
| Participant deferral / active EE | $3,698 | $6,366-41.9% | $5,924-37.6% | $5,851-36.8% |
| Admin fee / account holder | $19,246 | $10,521+82.9% | $7,744+148.5% | $11,599+65.9% |