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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 | $27,173 | $157,304-82.7% | $141,197-80.8% | $152,909-82.2% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 0.57% | 64.34%-63.8pp | 71.41%-70.8pp | 345.46%-344.9pp |
| Employer contribution / active EE | $2,179 | $5,263-58.6% | $4,736-54.0% | $4,764-54.3% |
| Participant deferral / active EE | $3,692 | $7,111-48.1% | $6,710-45.0% | $5,851-36.9% |
| Admin fee / account holder | $1,371 | $12,126-88.7% | $10,265-86.6% | $11,601-88.2% |