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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 | $133,800 | $108,882+22.9% | $96,754+38.3% | $154,746-13.5% |
| Participation rate | 100.0% | 75.1%+24.9pp | 70.3%+29.7pp | 80.7%+19.3pp |
| Annual return | 2.42% | 98.39%-96.0pp | 82.04%-79.6pp | 172.34%-169.9pp |
| Employer contribution / active EE | $9,596 | $3,018+217.9% | $2,679+258.2% | $4,379+119.1% |
| Participant deferral / active EE | $11,250 | $5,323+111.4% | $4,758+136.4% | $6,730+67.2% |
| Admin fee / account holder | $18,891 | $10,200+85.2% | $8,905+112.1% | $14,365+31.5% |