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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 | $30,222 | $115,917-73.9% | $100,535-69.9% | $158,982-81.0% |
| Participation rate | 100.0% | 81.6%+18.4pp | 79.4%+20.6pp | 82.0%+18.0pp |
| Annual return | 6.92% | 34.80%-27.9pp | 30.90%-24.0pp | 302.99%-296.1pp |
| Employer contribution / active EE | $9,641 | $4,105+134.9% | $3,419+182.0% | $4,763+102.4% |
| Participant deferral / active EE | $5,048 | $6,677-24.4% | $6,271-19.5% | $5,983-15.6% |
| Admin fee / account holder | $1,880 | $11,002-82.9% | $8,085-76.8% | $11,252-83.3% |