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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 | $103,989 | $183,516-43.3% | $155,534-33.1% | $145,884-28.7% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 4.46% | 61.43%-57.0pp | 64.92%-60.5pp | 551.85%-547.4pp |
| Employer contribution / active EE | $9,259 | $5,315+74.2% | $4,675+98.1% | $4,662+98.6% |
| Participant deferral / active EE | $7,097 | $6,467+9.8% | $5,630+26.1% | $6,690+6.1% |
| Admin fee / account holder | $808 | $19,293-95.8% | $15,900-94.9% | $13,392-94.0% |