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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 | $43,973 | $89,259-50.7% | $107,187-59.0% | $82,637-46.8% |
| Participation rate | 100.0% | 67.9%+32.1pp | 75.0%+25.0pp | 68.1%+31.9pp |
| Annual return | 12.63% | 21.02%-8.4pp | 204.55%-191.9pp | 53.51%-40.9pp |
| Employer contribution / active EE | $7,611 | $3,080+147.1% | $3,782+101.2% | $2,552+198.2% |
| Participant deferral / active EE | $2,686 | $4,037-33.5% | $5,096-47.3% | $4,126-34.9% |
| Admin fee / account holder | $4,764 | $7,381-35.5% | $9,162-48.0% | $7,339-35.1% |