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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 | $47,244 | $160,040-70.5% | $147,096-67.9% | $145,877-67.6% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 5.27% | 98.49%-93.2pp | 419.75%-414.5pp | 551.28%-546.0pp |
| Employer contribution / active EE | $7,872 | $5,289+48.8% | $4,936+59.5% | $4,663+68.8% |
| Participant deferral / active EE | $3,366 | $8,429-60.1% | $8,071-58.3% | $6,691-49.7% |
| Admin fee / account holder | $1,202 | $15,050-92.0% | $13,005-90.8% | $13,402-91.0% |