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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 | $203,490 | $100,139+103.2% | $85,187+138.9% | $145,884+39.5% |
| Participation rate | 100.0% | 74.1%+25.9pp | 67.5%+32.5pp | 80.3%+19.7pp |
| Annual return | 6.86% | 84.15%-77.3pp | 66.67%-59.8pp | 551.85%-545.0pp |
| Employer contribution / active EE | $6,263 | $3,238+93.4% | $2,732+129.2% | $4,662+34.3% |
| Participant deferral / active EE | $5,864 | $5,296+10.7% | $4,525+29.6% | $6,690-12.3% |
| Admin fee / account holder | $3,255 | $7,262-55.2% | $6,162-47.2% | $13,392-75.7% |