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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 | $110,039-65.3% | $97,260-60.7% | $145,884-73.8% |
| Participation rate | 100.0% | 75.9%+24.1pp | 72.7%+27.3pp | 80.3%+19.7pp |
| Annual return | 7.60% | 244.44%-236.8pp | 75.54%-67.9pp | 551.85%-544.2pp |
| Employer contribution / active EE | $12,350 | $3,074+301.7% | $2,721+353.9% | $4,662+164.9% |
| Participant deferral / active EE | $2,934 | $4,674-37.2% | $4,262-31.2% | $6,690-56.1% |
| Admin fee / account holder | $6,060 | $6,204-2.3% | $5,640+7.5% | $13,392-54.7% |