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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 | $63,935 | $166,268-61.5% | $165,100-61.3% | $145,897-56.2% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.6%+21.4pp | 80.3%+19.7pp |
| Annual return | 3.28% | 100.52%-97.2pp | 70.21%-66.9pp | 552.29%-549.0pp |
| Employer contribution / active EE | $4,690 | $5,284-11.2% | $4,348+7.9% | $4,663+0.6% |
| Participant deferral / active EE | $8,917 | $6,964+28.0% | $6,035+47.7% | $6,689+33.3% |
| Admin fee / account holder | $816 | $16,659-95.1% | $12,696-93.6% | $13,390-93.9% |