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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 | $52,988 | $150,346-64.8% | $120,524-56.0% | $145,877-63.7% |
| Participation rate | 100.0% | 78.8%+21.2pp | 71.9%+28.1pp | 80.3%+19.7pp |
| Annual return | 8.22% | 154.40%-146.2pp | 107.36%-99.1pp | 551.28%-543.1pp |
| Employer contribution / active EE | $12,581 | $4,353+189.0% | $3,469+262.7% | $4,663+169.8% |
| Participant deferral / active EE | $13,410 | $6,172+117.3% | $4,994+168.6% | $6,691+100.4% |
| Admin fee / account holder | $1,339 | $12,215-89.0% | $9,440-85.8% | $13,402-90.0% |