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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 | $100,646 | $183,516-45.2% | $155,534-35.3% | $145,884-31.0% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 5.48% | 61.43%-55.9pp | 64.92%-59.4pp | 551.85%-546.4pp |
| Employer contribution / active EE | $35,402 | $5,315+566.1% | $4,675+657.3% | $4,662+659.3% |
| Participant deferral / active EE | $7,834 | $6,467+21.1% | $5,630+39.1% | $6,690+17.1% |
| Admin fee / account holder | $7,086 | $19,293-63.3% | $15,900-55.4% | $13,392-47.1% |