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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 | $129,737-64.5% | $119,126-61.3% | $154,746-70.2% |
| Participation rate | 100.0% | 78.9%+21.1pp | 75.8%+24.2pp | 80.7%+19.3pp |
| Annual return | 3.67% | 379.08%-375.4pp | 282.11%-278.4pp | 172.34%-168.7pp |
| Employer contribution / active EE | $2,359 | $4,375-46.1% | $4,034-41.5% | $4,379-46.1% |
| Participant deferral / active EE | $13,638 | $5,842+133.5% | $5,318+156.5% | $6,730+102.6% |
| Admin fee / account holder | $1,887 | $11,961-84.2% | $10,693-82.4% | $14,365-86.9% |