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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 | $100,139-48.8% | $85,187-39.8% | $145,884-64.8% |
| Participation rate | 100.0% | 74.1%+25.9pp | 67.5%+32.5pp | 80.3%+19.7pp |
| Annual return | 6.72% | 84.15%-77.4pp | 66.67%-59.9pp | 551.85%-545.1pp |
| Employer contribution / active EE | $18,566 | $3,238+473.4% | $2,732+579.5% | $4,662+298.2% |
| Participant deferral / active EE | $5,204 | $5,296-1.7% | $4,525+15.0% | $6,690-22.2% |
| Admin fee / account holder | $520 | $7,262-92.8% | $6,162-91.6% | $13,392-96.1% |