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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 | $47,435 | $125,190-62.1% | $105,624-55.1% | $145,897-67.5% |
| Participation rate | 100.0% | 77.6%+22.4pp | 75.3%+24.7pp | 80.3%+19.7pp |
| Annual return | 5.62% | 225.22%-219.6pp | 116.20%-110.6pp | 552.29%-546.7pp |
| Employer contribution / active EE | $7,928 | $3,720+113.1% | $3,168+150.3% | $4,663+70.0% |
| Participant deferral / active EE | $3,423 | $5,716-40.1% | $5,013-31.7% | $6,689-48.8% |
| Admin fee / account holder | $3,315 | $17,138-80.7% | $10,961-69.8% | $13,390-75.2% |