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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 | $79,434 | $63,346+25.4% | $92,240-13.9% | $70,126+13.3% |
| Participation rate | 100.0% | 68.7%+31.3pp | 76.5%+23.5pp | 69.5%+30.5pp |
| Annual return | 9.45% | 530.19%-520.7pp | 176.29%-166.8pp | 73.15%-63.7pp |
| Employer contribution / active EE | $3,869 | $2,471+56.6% | $3,680+5.2% | $2,343+65.2% |
| Participant deferral / active EE | $3,083 | $2,854+8.0% | $3,897-20.9% | $3,332-7.5% |
| Admin fee / account holder | $9,509 | $3,841+147.6% | $5,194+83.1% | $4,645+104.7% |