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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 | $129,398 | $157,304-17.7% | $141,197-8.4% | $152,909-15.4% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 3.71% | 64.34%-60.6pp | 71.41%-67.7pp | 345.46%-341.8pp |
| Employer contribution / active EE | $14,481 | $5,263+175.2% | $4,736+205.8% | $4,764+204.0% |
| Participant deferral / active EE | $7,500 | $7,111+5.5% | $6,710+11.8% | $5,851+28.2% |
| Admin fee / account holder | $3,386 | $12,126-72.1% | $10,265-67.0% | $11,601-70.8% |