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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 | $51,741 | $154,209-66.4% | $130,062-60.2% | $139,487-62.9% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.5%+21.5pp | 80.3%+19.7pp |
| Annual return | 9.01% | 32.52%-23.5pp | -137.37%+146.4pp | 373.84%-364.8pp |
| Employer contribution / active EE | $6,182 | $5,292+16.8% | $4,322+43.0% | $4,755+30.0% |
| Participant deferral / active EE | $5,150 | $6,709-23.2% | $5,821-11.5% | $6,713-23.3% |
| Admin fee / account holder | $2,355 | $13,988-83.2% | $10,601-77.8% | $11,407-79.4% |