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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 | $47,605 | $125,190-62.0% | $105,624-54.9% | $145,897-67.4% |
| Participation rate | 100.0% | 77.6%+22.4pp | 75.3%+24.7pp | 80.3%+19.7pp |
| Annual return | 8.14% | 225.22%-217.1pp | 116.20%-108.1pp | 552.29%-544.2pp |
| Employer contribution / active EE | $773 | $3,720-79.2% | $3,168-75.6% | $4,663-83.4% |
| Participant deferral / active EE | $5,861 | $5,716+2.5% | $5,013+16.9% | $6,689-12.4% |
| Admin fee / account holder | $1,863 | $17,138-89.1% | $10,961-83.0% | $13,390-86.1% |