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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 | $144,866 | $106,008+36.7% | $92,240+57.1% | $147,586-1.8% |
| Participation rate | 100.0% | 80.4%+19.6pp | 76.5%+23.5pp | 82.8%+17.2pp |
| Annual return | 4.70% | 50.05%-45.4pp | 176.29%-171.6pp | 578.59%-573.9pp |
| Employer contribution / active EE | $1,023 | $4,333-76.4% | $3,680-72.2% | $4,876-79.0% |
| Participant deferral / active EE | $7,673 | $4,478+71.3% | $3,897+96.9% | $5,439+41.1% |
| Admin fee / account holder | $3,902 | $6,333-38.4% | $5,194-24.9% | $10,886-64.2% |