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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 | $39,131 | $89,370-56.2% | $141,197-72.3% | $72,976-46.4% |
| Participation rate | 100.0% | 75.1%+24.9pp | 82.5%+17.5pp | 69.5%+30.5pp |
| Annual return | 18.06% | 111.88%-93.8pp | 71.41%-53.3pp | 81.02%-63.0pp |
| Employer contribution / active EE | $5,927 | $3,115+90.3% | $4,736+25.1% | $2,440+142.9% |
| Participant deferral / active EE | $6,872 | $5,419+26.8% | $6,710+2.4% | $3,608+90.5% |
| Admin fee / account holder | $1,319 | $5,957-77.9% | $10,265-87.2% | $5,124-74.3% |