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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 | $158,574 | $95,601+65.9% | $77,183+105.5% | $139,456+13.7% |
| Participation rate | 100.0% | 74.0%+26.0pp | 69.6%+30.4pp | 80.3%+19.7pp |
| Annual return | 3.65% | 54.96%-51.3pp | 37.89%-34.2pp | 373.45%-369.8pp |
| Employer contribution / active EE | $2,359 | $3,145-25.0% | $2,534-6.9% | $4,753-50.4% |
| Participant deferral / active EE | $5,542 | $4,623+19.9% | $3,833+44.6% | $6,711-17.4% |
| Admin fee / account holder | $5,210 | $8,302-37.3% | $5,475-4.8% | $11,407-54.3% |