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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 | $43,596 | $85,766-49.2% | $136,298-68.0% | $70,126-37.8% |
| Participation rate | 100.0% | 74.2%+25.8pp | 81.9%+18.1pp | 69.5%+30.5pp |
| Annual return | 10.83% | 31.46%-20.6pp | 5156.27%-5145.4pp | 73.15%-62.3pp |
| Employer contribution / active EE | $4,320 | $2,966+45.6% | $4,696-8.0% | $2,343+84.4% |
| Participant deferral / active EE | $4,740 | $5,051-6.2% | $6,247-24.1% | $3,332+42.3% |
| Admin fee / account holder | $1,244 | $5,421-77.1% | $9,244-86.5% | $4,645-73.2% |