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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 | $29,555 | $103,038-71.3% | $90,324-67.3% | $152,909-80.7% |
| Participation rate | 100.0% | 75.9%+24.1pp | 73.3%+26.7pp | 82.5%+17.5pp |
| Annual return | 6.30% | 95.25%-89.0pp | 78.15%-71.8pp | 345.46%-339.2pp |
| Employer contribution / active EE | $5,334 | $3,141+69.8% | $2,856+86.8% | $4,764+12.0% |
| Participant deferral / active EE | $7,977 | $4,282+86.3% | $3,885+105.3% | $5,851+36.3% |
| Admin fee / account holder | $6,950 | $6,177+12.5% | $5,356+29.8% | $11,601-40.1% |