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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 | $46,100 | $171,492-73.1% | $150,734-69.4% | $198,609-76.8% |
| Participation rate | 100.0% | 81.4%+18.6pp | 78.4%+21.6pp | 82.4%+17.6pp |
| Annual return | 3.67% | 804.70%-801.0pp | 600.81%-597.1pp | 202.70%-199.0pp |
| Employer contribution / active EE | $2,359 | $5,470-56.9% | $4,918-52.0% | $5,055-53.3% |
| Participant deferral / active EE | $13,638 | $6,259+117.9% | $5,610+143.1% | $6,977+95.5% |
| Admin fee / account holder | $1,887 | $17,628-89.3% | $14,905-87.3% | $19,030-90.1% |