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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 | $38,230 | $109,904-65.2% | $97,167-60.7% | $145,959-73.8% |
| Participation rate | 100.0% | 75.9%+24.1pp | 72.7%+27.3pp | 80.3%+19.7pp |
| Annual return | 7.60% | 243.43%-235.8pp | 75.27%-67.7pp | 561.95%-554.3pp |
| Employer contribution / active EE | $12,350 | $3,084+300.4% | $2,729+352.6% | $4,661+165.0% |
| Participant deferral / active EE | $2,934 | $4,676-37.3% | $4,264-31.2% | $6,689-56.1% |
| Admin fee / account holder | $6,060 | $6,216-2.5% | $5,650+7.3% | $13,398-54.8% |