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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 | $60,931 | $102,595-40.6% | $94,057-35.2% | $154,746-60.6% |
| Participation rate | 100.0% | 76.0%+24.0pp | 73.3%+26.7pp | 80.7%+19.3pp |
| Annual return | 6.00% | 583.42%-577.4pp | 480.62%-474.6pp | 172.34%-166.3pp |
| Employer contribution / active EE | $3,114 | $3,147-1.1% | $2,933+6.2% | $4,379-28.9% |
| Participant deferral / active EE | $1,402 | $5,118-72.6% | $4,709-70.2% | $6,730-79.2% |
| Admin fee / account holder | $24,119 | $7,736+211.8% | $7,244+232.9% | $14,365+67.9% |