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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 | $31,007 | $166,268-81.4% | $165,100-81.2% | $145,897-78.7% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.6%+21.4pp | 80.3%+19.7pp |
| Annual return | 7.91% | 100.52%-92.6pp | 70.21%-62.3pp | 552.29%-544.4pp |
| Employer contribution / active EE | $3,173 | $5,284-39.9% | $4,348-27.0% | $4,663-31.9% |
| Participant deferral / active EE | $7,024 | $6,964+0.9% | $6,035+16.4% | $6,689+5.0% |
| Admin fee / account holder | $3,499 | $16,659-79.0% | $12,696-72.4% | $13,390-73.9% |