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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 | $59,818 | $111,535-46.4% | $105,223-43.2% | $137,256-56.4% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 80.0%+20.0pp |
| Annual return | 9.19% | 237.85%-228.7pp | 180.65%-171.5pp | 220.34%-211.2pp |
| Employer contribution / active EE | $31,154 | $3,939+690.8% | $3,689+744.6% | $4,156+649.6% |
| Participant deferral / active EE | $2,318 | $5,500-57.9% | $5,072-54.3% | $6,407-63.8% |
| Admin fee / account holder | $3,668 | $9,721-62.3% | $8,859-58.6% | $12,270-70.1% |