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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 | $72,071-15.5% | $68,368-10.9% | $137,256-55.6% |
| Participation rate | 100.0% | 76.2%+23.8pp | 73.8%+26.2pp | 80.0%+20.0pp |
| Annual return | 6.00% | 353.14%-347.1pp | 292.57%-286.6pp | 220.34%-214.3pp |
| Employer contribution / active EE | $3,114 | $2,788+11.7% | $2,649+17.6% | $4,156-25.1% |
| Participant deferral / active EE | $1,402 | $4,410-68.2% | $4,123-66.0% | $6,407-78.1% |
| Admin fee / account holder | $24,119 | $5,336+352.0% | $5,150+368.3% | $12,270+96.6% |