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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 | $55,241 | $63,346-12.8% | $92,240-40.1% | $70,126-21.2% |
| Participation rate | 100.0% | 68.7%+31.3pp | 76.5%+23.5pp | 69.5%+30.5pp |
| Annual return | 10.38% | 530.19%-519.8pp | 176.29%-165.9pp | 73.15%-62.8pp |
| Employer contribution / active EE | $4,625 | $2,471+87.1% | $3,680+25.7% | $2,343+97.4% |
| Participant deferral / active EE | $3,777 | $2,854+32.4% | $3,897-3.1% | $3,332+13.4% |
| Admin fee / account holder | $1,471 | $3,841-61.7% | $5,194-71.7% | $4,645-68.3% |