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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 | $83,663 | $111,830-25.2% | $93,696-10.7% | $145,884-42.7% |
| Participation rate | 100.0% | 74.2%+25.8pp | 68.7%+31.3pp | 80.3%+19.7pp |
| Annual return | 7.83% | 204.08%-196.2pp | 133.74%-125.9pp | 551.85%-544.0pp |
| Employer contribution / active EE | $10,406 | $3,093+236.4% | $2,422+329.6% | $4,662+123.2% |
| Participant deferral / active EE | $7,059 | $4,920+43.5% | $4,417+59.8% | $6,690+5.5% |
| Admin fee / account holder | $1,002 | $10,249-90.2% | $8,287-87.9% | $13,392-92.5% |