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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 | $25,488 | $105,200-75.8% | $159,474-84.0% | $85,847-70.3% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.8%+17.2pp | 69.3%+30.7pp |
| Annual return | 12.13% | 45.08%-32.9pp | 263.68%-251.6pp | 318.61%-306.5pp |
| Employer contribution / active EE | $7,878 | $3,319+137.4% | $4,831+63.1% | $2,565+207.1% |
| Participant deferral / active EE | $3,779 | $5,946-36.4% | $7,353-48.6% | $3,952-4.4% |
| Admin fee / account holder | $364 | $6,934-94.8% | $10,802-96.6% | $6,261-94.2% |