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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 | $56,158 | $93,345-39.8% | $119,126-52.9% | $87,485-35.8% |
| Participation rate | 100.0% | 68.7%+31.3pp | 75.8%+24.2pp | 68.9%+31.1pp |
| Annual return | 9.88% | 19.08%-9.2pp | 282.11%-272.2pp | 26.06%-16.2pp |
| Employer contribution / active EE | $10,264 | $3,172+223.6% | $4,034+154.5% | $2,596+295.3% |
| Participant deferral / active EE | $4,328 | $4,099+5.6% | $5,318-18.6% | $4,274+1.3% |
| Admin fee / account holder | $3,597 | $8,039-55.3% | $10,693-66.4% | $7,775-53.7% |