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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 | $28,330 | $107,363-73.6% | $92,909-69.5% | $152,897-81.5% |
| Participation rate | 100.0% | 79.8%+20.2pp | 76.0%+24.0pp | 82.5%+17.5pp |
| Annual return | 10.87% | 145.63%-134.8pp | 109.44%-98.6pp | 345.43%-334.6pp |
| Employer contribution / active EE | $9,051 | $4,222+114.4% | $3,653+147.8% | $4,764+90.0% |
| Participant deferral / active EE | $4,251 | $4,848-12.3% | $4,238+0.3% | $5,851-27.3% |
| Admin fee / account holder | $5,097 | $7,082-28.0% | $5,795-12.0% | $11,599-56.1% |