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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 | $70,200 | $197,637-64.5% | $177,848-60.5% | $158,982-55.8% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.7%+12.3pp | 82.0%+18.0pp |
| Annual return | 0.25% | 58.77%-58.5pp | 48.33%-48.1pp | 302.99%-302.7pp |
| Employer contribution / active EE | $10,429 | $6,698+55.7% | $5,919+76.2% | $4,763+119.0% |
| Participant deferral / active EE | $10,009 | $8,405+19.1% | $7,714+29.8% | $5,983+67.3% |
| Admin fee / account holder | $2,518 | $15,406-83.7% | $12,431-79.7% | $11,252-77.6% |