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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 | $55,502 | $217,432-74.5% | $185,851-70.1% | $167,553-66.9% |
| Participation rate | 100.0% | 86.1%+13.9pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 4.98% | 148.43%-143.5pp | 122.11%-117.1pp | 478.89%-473.9pp |
| Employer contribution / active EE | $8,823 | $5,874+50.2% | $5,168+70.7% | $4,840+82.3% |
| Participant deferral / active EE | $5,500 | $6,357-13.5% | $5,569-1.2% | $6,343-13.3% |
| Admin fee / account holder | $3,265 | $19,820-83.5% | $16,245-79.9% | $12,316-73.5% |