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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 | $43,810 | $181,062-75.8% | $158,223-72.3% | $155,188-71.8% |
| Participation rate | 100.0% | 82.7%+17.3pp | 79.2%+20.8pp | 80.8%+19.2pp |
| Annual return | -5.59% | 57.39%-63.0pp | 52.09%-57.7pp | 148.84%-154.4pp |
| Employer contribution / active EE | $7,900 | $4,565+73.1% | $4,109+92.3% | $4,248+86.0% |
| Participant deferral / active EE | $15,926 | $6,134+159.6% | $5,467+191.3% | $6,531+143.8% |
| Admin fee / account holder | $1,839 | $18,825-90.2% | $16,047-88.5% | $14,480-87.3% |