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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 | $61,999 | $72,071-14.0% | $68,368-9.3% | $137,256-54.8% |
| Participation rate | 100.0% | 76.2%+23.8pp | 73.8%+26.2pp | 80.0%+20.0pp |
| Annual return | 11.24% | 353.14%-341.9pp | 292.57%-281.3pp | 220.34%-209.1pp |
| Employer contribution / active EE | $3,424 | $2,788+22.8% | $2,649+29.3% | $4,156-17.6% |
| Participant deferral / active EE | $5,550 | $4,410+25.9% | $4,123+34.6% | $6,407-13.4% |
| Admin fee / account holder | $3,897 | $5,336-27.0% | $5,150-24.3% | $12,270-68.2% |