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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 | $56,123 | $56,1100% | $94,993-40.9% | $70,126-20.0% |
| Participation rate | 100.0% | 65.0%+35.0pp | 73.9%+26.1pp | 69.5%+30.5pp |
| Annual return | 11.84% | 51.02%-39.2pp | 27.14%-15.3pp | 73.15%-61.3pp |
| Employer contribution / active EE | $6,511 | $1,442+351.4% | $2,603+150.1% | $2,343+177.9% |
| Participant deferral / active EE | $4,510 | $2,391+88.6% | $3,317+36.0% | $3,332+35.4% |
| Admin fee / account holder | $38,101 | $3,456+1002.4% | $4,960+668.1% | $4,645+720.2% |