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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 | $23,026 | $72,071-68.1% | $68,368-66.3% | $137,256-83.2% |
| Participation rate | 100.0% | 76.2%+23.8pp | 73.8%+26.2pp | 80.0%+20.0pp |
| Annual return | 9.87% | 353.14%-343.3pp | 292.57%-282.7pp | 220.34%-210.5pp |
| Employer contribution / active EE | $2,126 | $2,788-23.7% | $2,649-19.7% | $4,156-48.8% |
| Participant deferral / active EE | $3,610 | $4,410-18.1% | $4,123-12.4% | $6,407-43.6% |
| Admin fee / account holder | $3,113 | $5,336-41.7% | $5,150-39.6% | $12,270-74.6% |