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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 | $93,546 | $183,516-49.0% | $155,534-39.9% | $145,884-35.9% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 5.94% | 61.43%-55.5pp | 64.92%-59.0pp | 551.85%-545.9pp |
| Employer contribution / active EE | $11,389 | $5,315+114.3% | $4,675+143.6% | $4,662+144.3% |
| Participant deferral / active EE | $6,530 | $6,467+1.0% | $5,630+16.0% | $6,690-2.4% |
| Admin fee / account holder | $945 | $19,293-95.1% | $15,900-94.1% | $13,392-92.9% |