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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 | $140,391 | $102,382+37.1% | $147,005-4.5% | $80,874+73.6% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.2%+17.8pp | 67.6%+32.4pp |
| Annual return | 10.18% | 134.89%-124.7pp | 418.76%-408.6pp | 35.62%-25.4pp |
| Employer contribution / active EE | $2,975 | $3,715-19.9% | $4,934-39.7% | $2,756+8.0% |
| Participant deferral / active EE | $7,743 | $6,646+16.5% | $8,070-4.0% | $4,297+80.2% |
| Admin fee / account holder | $3,306 | $7,942-58.4% | $13,006-74.6% | $6,935-52.3% |