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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 | $35,512 | $110,039-67.7% | $97,260-63.5% | $145,884-75.7% |
| Participation rate | 83.3% | 75.9%+7.4pp | 72.7%+10.7pp | 80.3%+3.0pp |
| Annual return | 7.07% | 244.44%-237.4pp | 75.54%-68.5pp | 551.85%-544.8pp |
| Employer contribution / active EE | $10,740 | $3,074+249.3% | $2,721+294.7% | $4,662+130.3% |
| Participant deferral / active EE | $5,796 | $4,674+24.0% | $4,262+36.0% | $6,690-13.4% |
| Admin fee / account holder | $1,583 | $6,204-74.5% | $5,640-71.9% | $13,392-88.2% |