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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 | $54,634 | $157,296-65.3% | $141,191-61.3% | $152,897-64.3% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 14.26% | 64.34%-50.1pp | 71.41%-57.2pp | 345.43%-331.2pp |
| Employer contribution / active EE | $15,069 | $5,262+186.4% | $4,736+218.2% | $4,764+216.3% |
| Participant deferral / active EE | $7,509 | $7,111+5.6% | $6,710+11.9% | $5,851+28.3% |
| Admin fee / account holder | $5,007 | $12,125-58.7% | $10,264-51.2% | $11,599-56.8% |