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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 | $46,776 | $183,592-74.5% | $155,574-69.9% | $145,877-67.9% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 3.28% | 61.37%-58.1pp | 64.87%-61.6pp | 551.28%-548.0pp |
| Employer contribution / active EE | $1,767 | $5,317-66.8% | $4,676-62.2% | $4,663-62.1% |
| Participant deferral / active EE | $4,502 | $6,466-30.4% | $5,629-20.0% | $6,691-32.7% |
| Admin fee / account holder | $669 | $19,316-96.5% | $15,914-95.8% | $13,402-95.0% |