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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 | $69,870 | $183,539-61.9% | $155,556-55.1% | $145,897-52.1% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 6.84% | 61.31%-54.5pp | 64.84%-58.0pp | 552.29%-545.5pp |
| Employer contribution / active EE | $9,242 | $5,315+73.9% | $4,675+97.7% | $4,663+98.2% |
| Participant deferral / active EE | $6,123 | $6,467-5.3% | $5,631+8.7% | $6,689-8.5% |
| Admin fee / account holder | $2,574 | $19,275-86.6% | $15,885-83.8% | $13,390-80.8% |