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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 | $114,244 | $157,296-27.4% | $141,191-19.1% | $152,897-25.3% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 4.71% | 64.34%-59.6pp | 71.41%-66.7pp | 345.43%-340.7pp |
| Employer contribution / active EE | $6,008 | $5,262+14.2% | $4,736+26.9% | $4,764+26.1% |
| Participant deferral / active EE | $8,789 | $7,111+23.6% | $6,710+31.0% | $5,851+50.2% |
| Admin fee / account holder | $3,221 | $12,125-73.4% | $10,264-68.6% | $11,599-72.2% |