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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 | $69,629 | $142,430-51.1% | $115,170-39.5% | $152,897-54.5% |
| Participation rate | 100.0% | 82.4%+17.6pp | 75.9%+24.1pp | 82.5%+17.5pp |
| Annual return | 7.43% | 41.48%-34.0pp | 35.60%-28.2pp | 345.43%-338.0pp |
| Employer contribution / active EE | $7,794 | $4,011+94.3% | $3,179+145.2% | $4,764+63.6% |
| Participant deferral / active EE | $5,000 | $5,165-3.2% | $4,169+19.9% | $5,851-14.5% |
| Admin fee / account holder | $3,830 | $8,464-54.8% | $7,089-46.0% | $11,599-67.0% |