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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 | $87,368 | $176,120-50.4% | $159,487-45.2% | $167,553-47.9% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 9.13% | 331.95%-322.8pp | 263.71%-254.6pp | 478.89%-469.8pp |
| Employer contribution / active EE | $9,441 | $5,299+78.2% | $4,831+95.4% | $4,840+95.1% |
| Participant deferral / active EE | $3,748 | $7,752-51.6% | $7,354-49.0% | $6,343-40.9% |
| Admin fee / account holder | $1,476 | $12,561-88.2% | $10,804-86.3% | $12,316-88.0% |