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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 | $100,203-48.8% | $85,240-39.8% | $145,897-64.8% |
| Participation rate | 100.0% | 74.1%+25.9pp | 67.5%+32.5pp | 80.3%+19.7pp |
| Annual return | 6.72% | 84.28%-77.6pp | 66.75%-60.0pp | 552.29%-545.6pp |
| Employer contribution / active EE | $18,566 | $3,242+472.7% | $2,735+578.7% | $4,663+298.2% |
| Participant deferral / active EE | $5,204 | $5,299-1.8% | $4,527+15.0% | $6,689-22.2% |
| Admin fee / account holder | $520 | $7,265-92.8% | $6,165-91.6% | $13,390-96.1% |