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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 | $116,313 | $105,158+10.6% | $94,672+22.9% | $139,487-16.6% |
| Participation rate | 100.0% | 82.4%+17.6pp | 80.8%+19.2pp | 80.3%+19.7pp |
| Annual return | 7.22% | 38.11%-30.9pp | 156.89%-149.7pp | 373.84%-366.6pp |
| Employer contribution / active EE | $6,740 | $4,107+64.1% | $3,673+83.5% | $4,755+41.7% |
| Participant deferral / active EE | $4,173 | $7,599-45.1% | $7,417-43.7% | $6,713-37.8% |
| Admin fee / account holder | $1,590 | $8,972-82.3% | $7,222-78.0% | $11,407-86.1% |