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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 | $91,497 | $107,363-14.8% | $92,909-1.5% | $152,897-40.2% |
| Participation rate | 100.0% | 79.8%+20.2pp | 76.0%+24.0pp | 82.5%+17.5pp |
| Annual return | 6.87% | 145.63%-138.8pp | 109.44%-102.6pp | 345.43%-338.6pp |
| Employer contribution / active EE | $6,124 | $4,222+45.0% | $3,653+67.6% | $4,764+28.6% |
| Participant deferral / active EE | $9,146 | $4,848+88.7% | $4,238+115.8% | $5,851+56.3% |
| Admin fee / account holder | $12,482 | $7,082+76.3% | $5,795+115.4% | $11,599+7.6% |