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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 | $46,904 | $157,276-70.2% | $141,177-66.8% | $152,885-69.3% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 11.67% | 64.33%-52.7pp | 71.40%-59.7pp | 345.39%-333.7pp |
| Employer contribution / active EE | $3,090 | $5,262-41.3% | $4,736-34.8% | $4,763-35.1% |
| Participant deferral / active EE | $17,700 | $7,110+148.9% | $6,710+163.8% | $5,851+202.5% |
| Admin fee / account holder | $392 | $12,123-96.8% | $10,263-96.2% | $11,598-96.6% |