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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 | $69,128 | $115,814-40.3% | $101,275-31.7% | $158,982-56.5% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.8%+24.2pp | 82.0%+18.0pp |
| Annual return | 7.44% | 56.16%-48.7pp | 46.48%-39.0pp | 302.99%-295.6pp |
| Employer contribution / active EE | $5,556 | $4,176+33.0% | $3,660+51.8% | $4,763+16.6% |
| Participant deferral / active EE | $2,611 | $4,958-47.3% | $4,371-40.3% | $5,983-56.4% |
| Admin fee / account holder | $2,778 | $7,249-61.7% | $5,948-53.3% | $11,252-75.3% |