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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 | $63,117 | $165,399-61.8% | $149,745-57.9% | $158,982-60.3% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 7.88% | 348.34%-340.5pp | 276.72%-268.8pp | 302.99%-295.1pp |
| Employer contribution / active EE | $1,523 | $5,105-70.2% | $4,646-67.2% | $4,763-68.0% |
| Participant deferral / active EE | $10,284 | $7,183+43.2% | $6,843+50.3% | $5,983+71.9% |
| Admin fee / account holder | $1,486 | $10,811-86.3% | $9,312-84.0% | $11,252-86.8% |