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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 | $56,320 | $70,587-20.2% | $124,693-54.8% | $85,847-34.4% |
| Participation rate | 100.0% | 64.4%+35.6pp | 74.6%+25.4pp | 69.3%+30.7pp |
| Annual return | 10.09% | 20688.83%-20678.7pp | 5144.19%-5134.1pp | 318.61%-308.5pp |
| Employer contribution / active EE | $1,685 | $1,913-11.9% | $3,324-49.3% | $2,565-34.3% |
| Participant deferral / active EE | $1,975 | $2,969-33.5% | $4,615-57.2% | $3,952-50.0% |
| Admin fee / account holder | $3,569 | $5,282-32.4% | $7,494-52.4% | $6,261-43.0% |