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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 | $145,013 | $114,073+27.1% | $96,161+50.8% | $167,518-13.4% |
| Participation rate | 100.0% | 75.1%+24.9pp | 68.4%+31.6pp | 82.1%+17.9pp |
| Annual return | 7.37% | 189.95%-182.6pp | 192.01%-184.6pp | 478.71%-471.3pp |
| Employer contribution / active EE | $8,712 | $3,428+154.1% | $2,798+211.3% | $4,838+80.0% |
| Participant deferral / active EE | $11,875 | $5,195+128.6% | $4,349+173.0% | $6,342+87.2% |
| Admin fee / account holder | $1,438 | $6,899-79.2% | $5,538-74.0% | $12,312-88.3% |