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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 | $82,903 | $183,592-54.8% | $155,567-46.7% | $145,959-43.2% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 8.44% | 61.24%-52.8pp | 64.74%-56.3pp | 561.95%-553.5pp |
| Employer contribution / active EE | $7,164 | $5,315+34.8% | $4,674+53.3% | $4,661+53.7% |
| Participant deferral / active EE | $5,373 | $6,464-16.9% | $5,628-4.5% | $6,689-19.7% |
| Admin fee / account holder | $6,683 | $19,318-65.4% | $15,916-58.0% | $13,398-50.1% |