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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 | $34,062 | $124,175-72.6% | $108,405-68.6% | $167,553-79.7% |
| Participation rate | 100.0% | 82.3%+17.7pp | 80.1%+19.9pp | 82.1%+17.9pp |
| Annual return | 7.05% | 1380.13%-1373.1pp | 905.55%-898.5pp | 478.89%-471.8pp |
| Employer contribution / active EE | $1,802 | $4,188-57.0% | $3,559-49.4% | $4,840-62.8% |
| Participant deferral / active EE | $2,773 | $6,908-59.9% | $6,563-57.7% | $6,343-56.3% |
| Admin fee / account holder | $2,999 | $9,457-68.3% | $7,297-58.9% | $12,316-75.6% |