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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 | $82,775 | $129,737-36.2% | $119,126-30.5% | $154,746-46.5% |
| Participation rate | 100.0% | 78.9%+21.1pp | 75.8%+24.2pp | 80.7%+19.3pp |
| Annual return | 6.37% | 379.08%-372.7pp | 282.11%-275.7pp | 172.34%-166.0pp |
| Employer contribution / active EE | $15,928 | $4,375+264.1% | $4,034+294.9% | $4,379+263.7% |
| Participant deferral / active EE | $3,681 | $5,842-37.0% | $5,318-30.8% | $6,730-45.3% |
| Admin fee / account holder | $341 | $11,961-97.1% | $10,693-96.8% | $14,365-97.6% |