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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 | $102,385+37.1% | $147,080-4.5% | $80,935+73.5% |
| Participation rate | 100.0% | 75.9%+24.1pp | 82.2%+17.8pp | 67.7%+32.3pp |
| Annual return | 10.18% | 135.09%-124.9pp | 420.17%-410.0pp | 35.66%-25.5pp |
| Employer contribution / active EE | $2,975 | $3,717-19.9% | $4,933-39.7% | $2,757+7.9% |
| Participant deferral / active EE | $7,743 | $6,651+16.4% | $8,066-4.0% | $4,299+80.1% |
| Admin fee / account holder | $3,306 | $7,951-58.4% | $12,989-74.5% | $6,924-52.2% |