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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 | $51,313 | $99,921-48.6% | $85,009-39.6% | $145,959-64.8% |
| Participation rate | 100.0% | 74.1%+25.9pp | 67.5%+32.5pp | 80.3%+19.7pp |
| Annual return | 6.72% | 83.89%-77.2pp | 66.47%-59.8pp | 561.95%-555.2pp |
| Employer contribution / active EE | $18,566 | $3,233+474.3% | $2,728+580.5% | $4,661+298.3% |
| Participant deferral / active EE | $5,204 | $5,293-1.7% | $4,522+15.1% | $6,689-22.2% |
| Admin fee / account holder | $520 | $7,252-92.8% | $6,153-91.5% | $13,398-96.1% |