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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 | $79,196 | $180,749-56.2% | $160,784-50.7% | $137,256-42.3% |
| Participation rate | 100.0% | 80.0%+20.0pp | 77.0%+23.0pp | 80.0%+20.0pp |
| Annual return | 7.54% | 2234.46%-2226.9pp | 1803.92%-1796.4pp | 220.34%-212.8pp |
| Employer contribution / active EE | $1,598 | $4,155-61.6% | $3,733-57.2% | $4,156-61.6% |
| Participant deferral / active EE | $11,750 | $6,844+71.7% | $6,293+86.7% | $6,407+83.4% |
| Admin fee / account holder | $2,090 | $10,397-79.9% | $9,717-78.5% | $12,270-83.0% |