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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 | $44,134 | $108,922-59.5% | $100,398-56.0% | $145,978-69.8% |
| Participation rate | 100.0% | 83.0%+17.0pp | 81.5%+18.5pp | 80.3%+19.7pp |
| Annual return | 9.71% | 58.04%-48.3pp | 49.32%-39.6pp | 550.52%-540.8pp |
| Employer contribution / active EE | $12,548 | $4,426+183.5% | $3,946+218.0% | $4,662+169.2% |
| Participant deferral / active EE | $12,369 | $8,450+46.4% | $8,084+53.0% | $6,690+84.9% |
| Admin fee / account holder | $2,044 | $9,680-78.9% | $7,893-74.1% | $13,400-84.7% |