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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 | $59,911 | $89,370-33.0% | $141,197-57.6% | $72,976-17.9% |
| Participation rate | 100.0% | 75.1%+24.9pp | 82.5%+17.5pp | 69.5%+30.5pp |
| Annual return | 15.61% | 111.88%-96.3pp | 71.41%-55.8pp | 81.02%-65.4pp |
| Employer contribution / active EE | $5,330 | $3,115+71.1% | $4,736+12.5% | $2,440+118.4% |
| Participant deferral / active EE | $6,892 | $5,419+27.2% | $6,710+2.7% | $3,608+91.0% |
| Admin fee / account holder | $1,515 | $5,957-74.6% | $10,265-85.2% | $5,124-70.4% |