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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 | $42,742 | $175,212-75.6% | $149,682-71.4% | $139,427-69.3% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 9.51% | 166.63%-157.1pp | 134.35%-124.8pp | 373.27%-363.8pp |
| Employer contribution / active EE | $1,890 | $5,475-65.5% | $4,818-60.8% | $4,752-60.2% |
| Participant deferral / active EE | $2,777 | $6,520-57.4% | $5,681-51.1% | $6,711-58.6% |
| Admin fee / account holder | $1,317 | $16,150-91.8% | $13,210-90.0% | $11,404-88.4% |