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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 | $95,586 | $90,530+5.6% | $76,030+25.7% | $145,897-34.5% |
| Participation rate | 100.0% | 74.4%+25.6pp | 69.1%+30.9pp | 80.3%+19.7pp |
| Annual return | 2.32% | 625.08%-622.8pp | 361.54%-359.2pp | 552.29%-550.0pp |
| Employer contribution / active EE | $3,296 | $3,319-0.7% | $2,688+22.6% | $4,663-29.3% |
| Participant deferral / active EE | $7,244 | $5,164+40.3% | $4,257+70.2% | $6,689+8.3% |
| Admin fee / account holder | $507 | $8,383-94.0% | $6,421-92.1% | $13,390-96.2% |