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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 | $39,599 | $48,053-17.6% | $84,637-53.2% | $72,976-45.7% |
| Participation rate | 100.0% | 57.6%+42.4pp | 68.2%+31.8pp | 69.5%+30.5pp |
| Annual return | 17.35% | 37.39%-20.0pp | 258.82%-241.5pp | 81.02%-63.7pp |
| Employer contribution / active EE | $8,156 | $1,602+409.2% | $2,653+207.4% | $2,440+234.3% |
| Participant deferral / active EE | $4,788 | $2,681+78.6% | $3,900+22.8% | $3,608+32.7% |
| Admin fee / account holder | $347 | $3,395-89.8% | $4,914-92.9% | $5,124-93.2% |