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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 | $83,765 | $102,595-18.4% | $94,057-10.9% | $154,746-45.9% |
| Participation rate | 100.0% | 76.0%+24.0pp | 73.3%+26.7pp | 80.7%+19.3pp |
| Annual return | 5.65% | 583.42%-577.8pp | 480.62%-475.0pp | 172.34%-166.7pp |
| Employer contribution / active EE | $2,924 | $3,147-7.1% | $2,933-0.3% | $4,379-33.2% |
| Participant deferral / active EE | $11,057 | $5,118+116.0% | $4,709+134.8% | $6,730+64.3% |
| Admin fee / account holder | $4,049 | $7,736-47.7% | $7,244-44.1% | $14,365-71.8% |