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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 | $43,517 | $209,422-79.2% | $178,503-75.6% | $158,982-72.6% |
| Participation rate | 100.0% | 86.4%+13.6pp | 81.9%+18.1pp | 82.0%+18.0pp |
| Annual return | 3.18% | 188.81%-185.6pp | 151.12%-147.9pp | 302.99%-299.8pp |
| Employer contribution / active EE | $7,210 | $5,707+26.3% | $5,011+43.9% | $4,763+51.4% |
| Participant deferral / active EE | $4,537 | $5,955-23.8% | $5,202-12.8% | $5,983-24.2% |
| Admin fee / account holder | $4,047 | $17,079-76.3% | $13,987-71.1% | $11,252-64.0% |