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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 | $104,075 | $107,353-3.1% | $92,903+12.0% | $152,885-31.9% |
| Participation rate | 100.0% | 79.8%+20.2pp | 76.0%+24.0pp | 82.5%+17.5pp |
| Annual return | 11.04% | 145.62%-134.6pp | 109.43%-98.4pp | 345.39%-334.3pp |
| Employer contribution / active EE | $1,884 | $4,222-55.4% | $3,653-48.4% | $4,763-60.4% |
| Participant deferral / active EE | $7,930 | $4,848+63.6% | $4,238+87.1% | $5,851+35.5% |
| Admin fee / account holder | $2,252 | $7,081-68.2% | $5,795-61.1% | $11,598-80.6% |