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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 | $75,063 | $107,368-30.1% | $92,915-19.2% | $152,909-50.9% |
| Participation rate | 100.0% | 79.8%+20.2pp | 76.0%+24.0pp | 82.5%+17.5pp |
| Annual return | 3.03% | 145.64%-142.6pp | 109.45%-106.4pp | 345.46%-342.4pp |
| Employer contribution / active EE | $3,537 | $4,222-16.2% | $3,653-3.2% | $4,764-25.8% |
| Participant deferral / active EE | $1,723 | $4,848-64.5% | $4,238-59.3% | $5,851-70.6% |
| Admin fee / account holder | $5,790 | $7,082-18.3% | $5,796-0.1% | $11,601-50.1% |