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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 | $27,062 | $103,000-73.7% | $90,300-70.0% | $152,885-82.3% |
| Participation rate | 81.8% | 75.9%+6.0pp | 73.3%+8.5pp | 82.5%-0.6pp |
| Annual return | 5.26% | 95.19%-89.9pp | 78.11%-72.9pp | 345.39%-340.1pp |
| Employer contribution / active EE | $6,697 | $3,138+113.4% | $2,854+134.6% | $4,763+40.6% |
| Participant deferral / active EE | $5,704 | $4,281+33.2% | $3,884+46.8% | $5,851-2.5% |
| Admin fee / account holder | $2,243 | $6,173-63.7% | $5,353-58.1% | $11,598-80.7% |