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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 | $47,983 | $52,380-8.4% | $98,775-51.4% | $85,847-44.1% |
| Participation rate | 100.0% | 58.0%+42.0pp | 65.7%+34.3pp | 69.3%+30.7pp |
| Annual return | 10.18% | 25.82%-15.6pp | 49.92%-39.7pp | 318.61%-308.4pp |
| Employer contribution / active EE | $4,684 | $1,337+250.2% | $2,067+126.6% | $2,565+82.6% |
| Participant deferral / active EE | $5,006 | $2,101+138.2% | $3,035+64.9% | $3,952+26.7% |
| Admin fee / account holder | $327 | $3,865-91.5% | $4,076-92.0% | $6,261-94.8% |