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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 | $58,173 | $107,363-45.8% | $92,909-37.4% | $152,897-62.0% |
| Participation rate | 100.0% | 79.8%+20.2pp | 76.0%+24.0pp | 82.5%+17.5pp |
| Annual return | 10.74% | 145.63%-134.9pp | 109.44%-98.7pp | 345.43%-334.7pp |
| Employer contribution / active EE | $5,425 | $4,222+28.5% | $3,653+48.5% | $4,764+13.9% |
| Participant deferral / active EE | $6,373 | $4,848+31.5% | $4,238+50.4% | $5,851+8.9% |
| Admin fee / account holder | $2,592 | $7,082-63.4% | $5,795-55.3% | $11,599-77.7% |