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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 | $113,510 | $166,089-31.7% | $164,928-31.2% | $145,978-22.2% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.6%+21.4pp | 80.3%+19.7pp |
| Annual return | 2.84% | 100.26%-97.4pp | 70.08%-67.2pp | 550.52%-547.7pp |
| Employer contribution / active EE | $8,080 | $5,276+53.1% | $4,343+86.0% | $4,662+73.3% |
| Participant deferral / active EE | $5,657 | $6,961-18.7% | $6,034-6.2% | $6,690-15.4% |
| Admin fee / account holder | $1,752 | $16,641-89.5% | $12,684-86.2% | $13,400-86.9% |