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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 | $102,697 | $72,071+42.5% | $68,368+50.2% | $137,256-25.2% |
| Participation rate | 100.0% | 76.2%+23.8pp | 73.8%+26.2pp | 80.0%+20.0pp |
| Annual return | 12.25% | 353.14%-340.9pp | 292.57%-280.3pp | 220.34%-208.1pp |
| Employer contribution / active EE | $5,544 | $2,788+98.9% | $2,649+109.3% | $4,156+33.4% |
| Participant deferral / active EE | $11,689 | $4,410+165.1% | $4,123+183.5% | $6,407+82.4% |
| Admin fee / account holder | $3,950 | $5,336-26.0% | $5,150-23.3% | $12,270-67.8% |