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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 | $39,959 | $102,429-61.0% | $147,096-72.8% | $80,925-50.6% |
| Participation rate | 100.0% | 75.9%+24.1pp | 82.2%+17.8pp | 67.7%+32.3pp |
| Annual return | 8.82% | 135.02%-126.2pp | 419.75%-410.9pp | 35.65%-26.8pp |
| Employer contribution / active EE | $6,261 | $3,716+68.5% | $4,936+26.8% | $2,756+127.2% |
| Participant deferral / active EE | $5,375 | $6,649-19.2% | $8,071-33.4% | $4,299+25.0% |
| Admin fee / account holder | $1,140 | $7,957-85.7% | $13,005-91.2% | $6,940-83.6% |