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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 | $46,238 | $217,427-78.7% | $185,837-75.1% | $167,518-72.4% |
| Participation rate | 100.0% | 86.0%+14.0pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 2.27% | 148.39%-146.1pp | 122.08%-119.8pp | 478.71%-476.4pp |
| Employer contribution / active EE | $6,411 | $5,874+9.1% | $5,168+24.0% | $4,838+32.5% |
| Participant deferral / active EE | $12,661 | $6,357+99.2% | $5,568+127.4% | $6,342+99.6% |
| Admin fee / account holder | $1,100 | $19,816-94.5% | $16,241-93.2% | $12,312-91.1% |