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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 | $151,672 | $70,121+116.3% | $63,803+137.7% | $138,895+9.2% |
| Participation rate | 100.0% | 77.2%+22.8pp | 72.7%+27.3pp | 79.9%+20.1pp |
| Annual return | 5.97% | 946.48%-940.5pp | 543.72%-537.8pp | 145.39%-139.4pp |
| Employer contribution / active EE | $1,681 | $2,882-41.7% | $2,532-33.6% | $4,194-59.9% |
| Participant deferral / active EE | $15,710 | $4,535+246.4% | $3,843+308.8% | $6,396+145.6% |
| Admin fee / account holder | $349 | $6,738-94.8% | $5,196-93.3% | $12,562-97.2% |