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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 | $36,549 | $124,330-70.6% | $109,173-66.5% | $167,536-78.2% |
| Participation rate | 100.0% | 79.5%+20.5pp | 75.9%+24.1pp | 82.1%+17.9pp |
| Annual return | 9.64% | 26.04%-16.4pp | 25.75%-16.1pp | 478.82%-469.2pp |
| Employer contribution / active EE | $0 | $4,209-100.0% | $3,723-100.0% | $4,839-100.0% |
| Participant deferral / active EE | $8,809 | $5,256+67.6% | $4,654+89.3% | $6,342+38.9% |
| Admin fee / account holder | $7,686 | $7,974-3.6% | $6,755+13.8% | $12,315-37.6% |