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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 | $175,030 | $232,540-24.7% | $185,117-5.4% | $147,586+18.6% |
| Participation rate | 100.0% | 82.4%+17.6pp | 77.3%+22.7pp | 82.8%+17.2pp |
| Annual return | -1.17% | 43.03%-44.2pp | 40.50%-41.7pp | 578.59%-579.8pp |
| Employer contribution / active EE | $40,000 | $5,195+669.9% | $4,182+856.6% | $4,876+720.3% |
| Participant deferral / active EE | $36,000 | $5,834+517.1% | $5,045+613.6% | $5,439+561.9% |
| Admin fee / account holder | $1,571 | $10,275-84.7% | $8,159-80.8% | $10,886-85.6% |