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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 | $102,385-61.0% | $147,080-72.8% | $80,935-50.6% |
| Participation rate | 100.0% | 75.9%+24.1pp | 82.2%+17.8pp | 67.7%+32.3pp |
| Annual return | 8.82% | 135.09%-126.3pp | 420.17%-411.3pp | 35.66%-26.8pp |
| Employer contribution / active EE | $6,261 | $3,717+68.4% | $4,933+26.9% | $2,757+127.1% |
| Participant deferral / active EE | $5,375 | $6,651-19.2% | $8,066-33.4% | $4,299+25.0% |
| Admin fee / account holder | $1,140 | $7,951-85.7% | $12,989-91.2% | $6,924-83.5% |