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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 | $50,904 | $102,422-50.3% | $147,117-65.4% | $80,959-37.1% |
| Participation rate | 100.0% | 75.9%+24.1pp | 82.2%+17.8pp | 67.7%+32.3pp |
| Annual return | 11.48% | 135.16%-123.7pp | 420.54%-409.1pp | 35.67%-24.2pp |
| Employer contribution / active EE | $6,061 | $3,717+63.0% | $4,932+22.9% | $2,757+119.8% |
| Participant deferral / active EE | $5,974 | $6,652-10.2% | $8,065-25.9% | $4,300+38.9% |
| Admin fee / account holder | $915 | $7,953-88.5% | $12,993-93.0% | $6,925-86.8% |