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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 | $77,922 | $226,135-65.5% | $182,558-57.3% | $152,909-49.0% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.0%+22.0pp | 82.5%+17.5pp |
| Annual return | 5.41% | 192.60%-187.2pp | 148.59%-143.2pp | 345.46%-340.1pp |
| Employer contribution / active EE | $1,469 | $4,979-70.5% | $4,076-64.0% | $4,764-69.2% |
| Participant deferral / active EE | $3,511 | $6,371-44.9% | $5,526-36.5% | $5,851-40.0% |
| Admin fee / account holder | $3,943 | $10,707-63.2% | $8,594-54.1% | $11,601-66.0% |