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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 | $145,091 | $110,093+31.8% | $97,295+49.1% | $145,897-0.6% |
| Participation rate | 100.0% | 75.9%+24.1pp | 72.7%+27.3pp | 80.3%+19.7pp |
| Annual return | 5.27% | 244.76%-239.5pp | 75.62%-70.3pp | 552.29%-547.0pp |
| Employer contribution / active EE | $1,694 | $3,077-45.0% | $2,723-37.8% | $4,663-63.7% |
| Participant deferral / active EE | $12,380 | $4,678+164.7% | $4,264+190.4% | $6,689+85.1% |
| Admin fee / account holder | $3,360 | $6,212-45.9% | $5,646-40.5% | $13,390-74.9% |