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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 | $22,495 | $148,558-84.9% | $135,925-83.5% | $139,427-83.9% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 10.79% | 79.22%-68.4pp | 68.25%-57.5pp | 373.27%-362.5pp |
| Employer contribution / active EE | $1,595 | $5,244-69.6% | $4,857-67.2% | $4,752-66.4% |
| Participant deferral / active EE | $15,369 | $8,101+89.7% | $7,759+98.1% | $6,711+129.0% |
| Admin fee / account holder | $2,353 | $12,401-81.0% | $10,764-78.1% | $11,404-79.4% |