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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 | $46,079 | $100,073-54.0% | $85,126-45.9% | $145,877-68.4% |
| Participation rate | 94.4% | 74.1%+20.3pp | 67.5%+26.9pp | 80.3%+14.1pp |
| Annual return | 0.58% | 84.11%-83.5pp | 66.63%-66.1pp | 551.28%-550.7pp |
| Employer contribution / active EE | $3,547 | $3,236+9.6% | $2,731+29.9% | $4,663-23.9% |
| Participant deferral / active EE | $5,964 | $5,294+12.6% | $4,523+31.8% | $6,691-10.9% |
| Admin fee / account holder | $768 | $7,261-89.4% | $6,160-87.5% | $13,402-94.3% |