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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 | $80,701 | $175,259-54.0% | $149,723-46.1% | $139,487-42.1% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 4.13% | 166.82%-162.7pp | 134.50%-130.4pp | 373.84%-369.7pp |
| Employer contribution / active EE | $28,561 | $5,478+421.3% | $4,821+492.4% | $4,755+500.7% |
| Participant deferral / active EE | $26,486 | $6,522+306.1% | $5,682+366.1% | $6,713+294.6% |
| Admin fee / account holder | $1,636 | $16,158-89.9% | $13,215-87.6% | $11,407-85.7% |