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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 | $43,874 | $96,419-54.5% | $80,648-45.6% | $139,487-68.5% |
| Participation rate | 100.0% | 73.6%+26.4pp | 67.0%+33.0pp | 80.3%+19.7pp |
| Annual return | 5.98% | 1352.86%-1346.9pp | 937.21%-931.2pp | 373.84%-367.9pp |
| Employer contribution / active EE | $1,213 | $3,261-62.8% | $2,724-55.5% | $4,755-74.5% |
| Participant deferral / active EE | $6,261 | $5,225+19.8% | $4,443+40.9% | $6,713-6.7% |
| Admin fee / account holder | $1,480 | $6,605-77.6% | $5,382-72.5% | $11,407-87.0% |