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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 | $134,817-38.6% | $123,973-33.2% | $155,188-46.7% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.7%+23.3pp | 80.8%+19.2pp |
| Annual return | 6.37% | 515.49%-509.1pp | 388.13%-381.8pp | 148.84%-142.5pp |
| Employer contribution / active EE | $15,928 | $4,425+260.0% | $4,126+286.1% | $4,248+275.0% |
| Participant deferral / active EE | $3,681 | $5,706-35.5% | $5,247-29.8% | $6,531-43.6% |
| Admin fee / account holder | $341 | $13,245-97.4% | $11,799-97.1% | $14,480-97.6% |