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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 | $42,623 | $89,370-52.3% | $141,197-69.8% | $72,976-41.6% |
| Participation rate | 100.0% | 75.1%+24.9pp | 82.5%+17.5pp | 69.5%+30.5pp |
| Annual return | 15.10% | 111.88%-96.8pp | 71.41%-56.3pp | 81.02%-65.9pp |
| Employer contribution / active EE | $5,682 | $3,115+82.4% | $4,736+20.0% | $2,440+132.9% |
| Participant deferral / active EE | $4,077 | $5,419-24.8% | $6,710-39.2% | $3,608+13.0% |
| Admin fee / account holder | $588 | $5,957-90.1% | $10,265-94.3% | $5,124-88.5% |