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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 | $8,847 | $100,073-91.2% | $85,126-89.6% | $145,877-93.9% |
| Participation rate | 90.0% | 74.1%+15.9pp | 67.5%+22.5pp | 80.3%+9.7pp |
| Annual return | 2.68% | 84.11%-81.4pp | 66.63%-64.0pp | 551.28%-548.6pp |
| Employer contribution / active EE | $1,196 | $3,236-63.0% | $2,731-56.2% | $4,663-74.4% |
| Participant deferral / active EE | $2,092 | $5,294-60.5% | $4,523-53.8% | $6,691-68.7% |
| Admin fee / account holder | $1,485 | $7,261-79.5% | $6,160-75.9% | $13,402-88.9% |