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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 | $66,788 | $125,190-46.7% | $105,624-36.8% | $145,897-54.2% |
| Participation rate | 100.0% | 77.6%+22.4pp | 75.3%+24.7pp | 80.3%+19.7pp |
| Annual return | 7.38% | 225.22%-217.8pp | 116.20%-108.8pp | 552.29%-544.9pp |
| Employer contribution / active EE | $4,919 | $3,720+32.2% | $3,168+55.3% | $4,663+5.5% |
| Participant deferral / active EE | $2,492 | $5,716-56.4% | $5,013-50.3% | $6,689-62.7% |
| Admin fee / account holder | $1,389 | $17,138-91.9% | $10,961-87.3% | $13,390-89.6% |