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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 | $54,231 | $157,296-65.5% | $141,191-61.6% | $152,897-64.5% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 13.54% | 64.34%-50.8pp | 71.41%-57.9pp | 345.43%-331.9pp |
| Employer contribution / active EE | $4,612 | $5,262-12.4% | $4,736-2.6% | $4,764-3.2% |
| Participant deferral / active EE | $8,381 | $7,111+17.9% | $6,710+24.9% | $5,851+43.2% |
| Admin fee / account holder | $778 | $12,125-93.6% | $10,264-92.4% | $11,599-93.3% |