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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 | $124,454 | $157,296-20.9% | $141,191-11.9% | $152,897-18.6% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 0.09% | 64.34%-64.3pp | 71.41%-71.3pp | 345.43%-345.3pp |
| Employer contribution / active EE | $2,158 | $5,262-59.0% | $4,736-54.4% | $4,764-54.7% |
| Participant deferral / active EE | $7,707 | $7,111+8.4% | $6,710+14.9% | $5,851+31.7% |
| Admin fee / account holder | $457 | $12,125-96.2% | $10,264-95.5% | $11,599-96.1% |