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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 | $172,732 | $129,737+33.1% | $119,126+45.0% | $154,746+11.6% |
| Participation rate | 100.0% | 78.9%+21.1pp | 75.8%+24.2pp | 80.7%+19.3pp |
| Annual return | 4.42% | 379.08%-374.7pp | 282.11%-277.7pp | 172.34%-167.9pp |
| Employer contribution / active EE | $13,250 | $4,375+202.9% | $4,034+228.5% | $4,379+202.6% |
| Participant deferral / active EE | $7,643 | $5,842+30.8% | $5,318+43.7% | $6,730+13.6% |
| Admin fee / account holder | $3,125 | $11,961-73.9% | $10,693-70.8% | $14,365-78.2% |