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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 | $59,291 | $124,324-52.3% | $111,303-46.7% | $167,497-64.6% |
| Participation rate | 100.0% | 79.6%+20.4pp | 77.3%+22.7pp | 82.1%+17.9pp |
| Annual return | 8.70% | 37.44%-28.7pp | 54.66%-46.0pp | 478.62%-469.9pp |
| Employer contribution / active EE | $16,815 | $3,436+389.4% | $2,731+515.7% | $4,838+247.6% |
| Participant deferral / active EE | $10,512 | $5,181+102.9% | $4,488+134.2% | $6,341+65.8% |
| Admin fee / account holder | $1,691 | $10,620-84.1% | $7,965-78.8% | $12,310-86.3% |