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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 | $52,142 | $217,432-76.0% | $185,849-71.9% | $167,536-68.9% |
| Participation rate | 100.0% | 86.1%+13.9pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | -0.33% | 148.42%-148.7pp | 122.10%-122.4pp | 478.82%-479.1pp |
| Employer contribution / active EE | $13,301 | $5,875+126.4% | $5,169+157.3% | $4,839+174.9% |
| Participant deferral / active EE | $14,508 | $6,357+128.2% | $5,569+160.5% | $6,342+128.7% |
| Admin fee / account holder | $2,815 | $19,818-85.8% | $16,244-82.7% | $12,315-77.1% |