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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 | $56,674 | $89,367-36.6% | $141,191-59.9% | $72,975-22.3% |
| Participation rate | 100.0% | 75.1%+24.9pp | 82.5%+17.5pp | 69.5%+30.5pp |
| Annual return | 15.97% | 111.87%-95.9pp | 71.41%-55.4pp | 81.01%-65.0pp |
| Employer contribution / active EE | $11,593 | $3,115+272.2% | $4,736+144.8% | $2,440+375.1% |
| Participant deferral / active EE | $6,800 | $5,419+25.5% | $6,710+1.3% | $3,608+88.5% |
| Admin fee / account holder | $2,394 | $5,957-59.8% | $10,264-76.7% | $5,124-53.3% |