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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 | $49,379 | $102,547-51.8% | $78,210-36.9% | $147,586-66.5% |
| Participation rate | 100.0% | 74.4%+25.6pp | 68.7%+31.3pp | 82.8%+17.2pp |
| Annual return | 3.01% | 51.08%-48.1pp | 40.90%-37.9pp | 578.59%-575.6pp |
| Employer contribution / active EE | $10,217 | $2,617+290.5% | $2,034+402.4% | $4,876+109.5% |
| Participant deferral / active EE | $5,563 | $3,481+59.8% | $2,823+97.1% | $5,439+2.3% |
| Admin fee / account holder | $1,556 | $5,059-69.2% | $3,758-58.6% | $10,886-85.7% |