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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 | $37,943 | $93,345-59.4% | $119,126-68.1% | $87,485-56.6% |
| Participation rate | 100.0% | 68.7%+31.3pp | 75.8%+24.2pp | 68.9%+31.1pp |
| Annual return | 10.73% | 19.08%-8.4pp | 282.11%-271.4pp | 26.06%-15.3pp |
| Employer contribution / active EE | $8,058 | $3,172+154.1% | $4,034+99.8% | $2,596+210.4% |
| Participant deferral / active EE | $2,632 | $4,099-35.8% | $5,318-50.5% | $4,274-38.4% |
| Admin fee / account holder | $4,309 | $8,039-46.4% | $10,693-59.7% | $7,775-44.6% |