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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 | $111,349 | $157,304-29.2% | $141,197-21.1% | $152,909-27.2% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 14.39% | 64.34%-49.9pp | 71.41%-57.0pp | 345.46%-331.1pp |
| Employer contribution / active EE | $1,715 | $5,263-67.4% | $4,736-63.8% | $4,764-64.0% |
| Participant deferral / active EE | $3,309 | $7,111-53.5% | $6,710-50.7% | $5,851-43.4% |
| Admin fee / account holder | $4,571 | $12,126-62.3% | $10,265-55.5% | $11,601-60.6% |