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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 | $56,198 | $58,241-3.5% | $81,780-31.3% | $80,911-30.5% |
| Participation rate | 100.0% | 63.4%+36.6pp | 72.4%+27.6pp | 67.6%+32.4pp |
| Annual return | 8.31% | 41.73%-33.4pp | 776.27%-768.0pp | 35.63%-27.3pp |
| Employer contribution / active EE | $3,744 | $2,343+59.8% | $2,914+28.5% | $2,756+35.9% |
| Participant deferral / active EE | $3,516 | $3,283+7.1% | $4,321-18.6% | $4,297-18.2% |
| Admin fee / account holder | $10,517 | $4,973+111.5% | $7,384+42.4% | $6,935+51.7% |