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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 | $87,378 | $111,878-21.9% | $93,727-6.8% | $145,897-40.1% |
| Participation rate | 100.0% | 74.2%+25.8pp | 68.7%+31.3pp | 80.3%+19.7pp |
| Annual return | 7.85% | 204.28%-196.4pp | 133.83%-126.0pp | 552.29%-544.4pp |
| Employer contribution / active EE | $6,357 | $3,092+105.6% | $2,421+162.5% | $4,663+36.3% |
| Participant deferral / active EE | $4,600 | $4,920-6.5% | $4,417+4.1% | $6,689-31.2% |
| Admin fee / account holder | $4,774 | $10,256-53.5% | $8,292-42.4% | $13,390-64.3% |