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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 | $45,098 | $100,073-54.9% | $85,126-47.0% | $145,877-69.1% |
| Participation rate | 100.0% | 74.1%+25.9pp | 67.5%+32.5pp | 80.3%+19.7pp |
| Annual return | 5.35% | 84.11%-78.8pp | 66.63%-61.3pp | 551.28%-545.9pp |
| Employer contribution / active EE | $8,379 | $3,236+158.9% | $2,731+206.8% | $4,663+79.7% |
| Participant deferral / active EE | $5,293 | $5,2940% | $4,523+17.0% | $6,691-20.9% |
| Admin fee / account holder | $590 | $7,261-91.9% | $6,160-90.4% | $13,402-95.6% |