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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 | $27,950 | $72,071-61.2% | $68,368-59.1% | $137,256-79.6% |
| Participation rate | 100.0% | 76.2%+23.8pp | 73.8%+26.2pp | 80.0%+20.0pp |
| Annual return | 12.58% | 353.14%-340.6pp | 292.57%-280.0pp | 220.34%-207.8pp |
| Employer contribution / active EE | $2,861 | $2,788+2.6% | $2,649+8.0% | $4,156-31.2% |
| Participant deferral / active EE | $6,217 | $4,410+41.0% | $4,123+50.8% | $6,407-3.0% |
| Admin fee / account holder | $5,521 | $5,336+3.5% | $5,150+7.2% | $12,270-55.0% |