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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 | $92,904 | $89,370+4.0% | $141,197-34.2% | $72,976+27.3% |
| Participation rate | 100.0% | 75.1%+24.9pp | 82.5%+17.5pp | 69.5%+30.5pp |
| Annual return | 14.90% | 111.88%-97.0pp | 71.41%-56.5pp | 81.02%-66.1pp |
| Employer contribution / active EE | $7,416 | $3,115+138.1% | $4,736+56.6% | $2,440+203.9% |
| Participant deferral / active EE | $6,554 | $5,419+21.0% | $6,710-2.3% | $3,608+81.7% |
| Admin fee / account holder | $1,122 | $5,957-81.2% | $10,265-89.1% | $5,124-78.1% |