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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 | $96,656 | $166,268-41.9% | $165,100-41.5% | $145,897-33.8% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.6%+21.4pp | 80.3%+19.7pp |
| Annual return | 7.71% | 100.52%-92.8pp | 70.21%-62.5pp | 552.29%-544.6pp |
| Employer contribution / active EE | $16,217 | $5,284+206.9% | $4,348+273.0% | $4,663+247.8% |
| Participant deferral / active EE | $14,525 | $6,964+108.6% | $6,035+140.7% | $6,689+117.1% |
| Admin fee / account holder | $1,825 | $16,659-89.0% | $12,696-85.6% | $13,390-86.4% |