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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 | $77,227 | $105,158-26.6% | $94,672-18.4% | $139,487-44.6% |
| Participation rate | 100.0% | 82.4%+17.6pp | 80.8%+19.2pp | 80.3%+19.7pp |
| Annual return | 12.24% | 38.11%-25.9pp | 156.89%-144.6pp | 373.84%-361.6pp |
| Employer contribution / active EE | $12,681 | $4,107+208.7% | $3,673+245.2% | $4,755+166.7% |
| Participant deferral / active EE | $5,100 | $7,599-32.9% | $7,417-31.2% | $6,713-24.0% |
| Admin fee / account holder | $7,569 | $8,972-15.6% | $7,222+4.8% | $11,407-33.6% |