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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 | $61,191 | $111,785-45.3% | $93,669-34.7% | $145,877-58.1% |
| Participation rate | 100.0% | 74.2%+25.8pp | 68.7%+31.3pp | 80.3%+19.7pp |
| Annual return | 7.47% | 203.79%-196.3pp | 133.59%-126.1pp | 551.28%-543.8pp |
| Employer contribution / active EE | $4,929 | $3,096+59.2% | $2,424+103.4% | $4,663+5.7% |
| Participant deferral / active EE | $4,115 | $4,919-16.3% | $4,416-6.8% | $6,691-38.5% |
| Admin fee / account holder | $846 | $10,256-91.8% | $8,291-89.8% | $13,402-93.7% |