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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 | $148,802 | $107,368+38.6% | $92,915+60.1% | $152,909-2.7% |
| Participation rate | 100.0% | 79.8%+20.2pp | 76.0%+24.0pp | 82.5%+17.5pp |
| Annual return | 7.43% | 145.64%-138.2pp | 109.45%-102.0pp | 345.46%-338.0pp |
| Employer contribution / active EE | $4,471 | $4,222+5.9% | $3,653+22.4% | $4,764-6.1% |
| Participant deferral / active EE | $3,285 | $4,848-32.2% | $4,238-22.5% | $5,851-43.9% |
| Admin fee / account holder | $871 | $7,082-87.7% | $5,796-85.0% | $11,601-92.5% |