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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 | $54,089 | $72,071-25.0% | $68,368-20.9% | $137,256-60.6% |
| Participation rate | 100.0% | 76.2%+23.8pp | 73.8%+26.2pp | 80.0%+20.0pp |
| Annual return | 9.93% | 353.14%-343.2pp | 292.57%-282.6pp | 220.34%-210.4pp |
| Employer contribution / active EE | $5,628 | $2,788+101.9% | $2,649+112.5% | $4,156+35.4% |
| Participant deferral / active EE | $20,075 | $4,410+355.2% | $4,123+386.9% | $6,407+213.3% |
| Admin fee / account holder | $3,537 | $5,336-33.7% | $5,150-31.3% | $12,270-71.2% |