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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 | $91,873 | $166,020-44.7% | $164,866-44.3% | $145,959-37.1% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.6%+21.4pp | 80.3%+19.7pp |
| Annual return | 6.41% | 100.08%-93.7pp | 69.97%-63.6pp | 561.95%-555.5pp |
| Employer contribution / active EE | $7,653 | $5,275+45.1% | $4,343+76.2% | $4,661+64.2% |
| Participant deferral / active EE | $10,302 | $6,961+48.0% | $6,033+70.8% | $6,689+54.0% |
| Admin fee / account holder | $2,113 | $16,644-87.3% | $12,689-83.4% | $13,398-84.2% |