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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 | $94,739 | $148,629-36.3% | $135,982-30.3% | $139,487-32.1% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 6.81% | 79.33%-72.5pp | 68.32%-61.5pp | 373.84%-367.0pp |
| Employer contribution / active EE | $4,670 | $5,247-11.0% | $4,859-3.9% | $4,755-1.8% |
| Participant deferral / active EE | $2,786 | $8,102-65.6% | $7,760-64.1% | $6,713-58.5% |
| Admin fee / account holder | $132,134 | $12,406+965.0% | $10,767+1127.2% | $11,407+1058.3% |