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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 | $49,267 | $111,830-55.9% | $93,696-47.4% | $145,884-66.2% |
| Participation rate | 100.0% | 74.2%+25.8pp | 68.7%+31.3pp | 80.3%+19.7pp |
| Annual return | 5.75% | 204.08%-198.3pp | 133.74%-128.0pp | 551.85%-546.1pp |
| Employer contribution / active EE | $10,023 | $3,093+224.1% | $2,422+313.8% | $4,662+115.0% |
| Participant deferral / active EE | $7,955 | $4,920+61.7% | $4,417+80.1% | $6,690+18.9% |
| Admin fee / account holder | $783 | $10,249-92.4% | $8,287-90.5% | $13,392-94.2% |