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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 | $80,466 | $107,368-25.1% | $92,915-13.4% | $152,909-47.4% |
| Participation rate | 100.0% | 79.8%+20.2pp | 76.0%+24.0pp | 82.5%+17.5pp |
| Annual return | 4.07% | 145.64%-141.6pp | 109.45%-105.4pp | 345.46%-341.4pp |
| Employer contribution / active EE | $19,092 | $4,222+352.1% | $3,653+422.6% | $4,764+300.8% |
| Participant deferral / active EE | $16,055 | $4,848+231.2% | $4,238+278.8% | $5,851+174.4% |
| Admin fee / account holder | $30,898 | $7,082+336.3% | $5,796+433.1% | $11,601+166.3% |