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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 | $30,577 | $53,128-42.4% | $86,582-64.7% | $70,126-56.4% |
| Participation rate | 100.0% | 65.3%+34.7pp | 73.5%+26.5pp | 69.5%+30.5pp |
| Annual return | 11.66% | 27.66%-16.0pp | 965.08%-953.4pp | 73.15%-61.5pp |
| Employer contribution / active EE | $5,612 | $2,068+171.4% | $2,839+97.6% | $2,343+139.6% |
| Participant deferral / active EE | $5,419 | $2,695+101.1% | $3,609+50.2% | $3,332+62.6% |
| Admin fee / account holder | $1,226 | $3,584-65.8% | $4,904-75.0% | $4,645-73.6% |