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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 | $102,192 | $232,540-56.1% | $185,117-44.8% | $147,585-30.8% |
| Participation rate | 100.0% | 82.4%+17.6pp | 77.3%+22.7pp | 82.8%+17.2pp |
| Annual return | 3.74% | 43.03%-39.3pp | 40.50%-36.8pp | 578.58%-574.8pp |
| Employer contribution / active EE | $1,494 | $5,195-71.3% | $4,182-64.3% | $4,876-69.4% |
| Participant deferral / active EE | $6,047 | $5,834+3.6% | $5,045+19.9% | $5,439+11.2% |
| Admin fee / account holder | $2,499 | $10,275-75.7% | $8,159-69.4% | $10,886-77.0% |