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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 | $166,089-81.3% | $164,928-81.2% | $145,978-78.8% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.6%+21.4pp | 80.3%+19.7pp |
| Annual return | 7.91% | 100.26%-92.3pp | 70.08%-62.2pp | 550.52%-542.6pp |
| Employer contribution / active EE | $3,173 | $5,276-39.9% | $4,343-26.9% | $4,662-31.9% |
| Participant deferral / active EE | $7,024 | $6,961+0.9% | $6,034+16.4% | $6,690+5.0% |
| Admin fee / account holder | $3,499 | $16,641-79.0% | $12,684-72.4% | $13,400-73.9% |