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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 | $23,004 | $110,801-79.2% | $86,615-73.4% | $167,536-86.3% |
| Participation rate | 75.0% | 75.8%-0.8pp | 71.6%+3.4pp | 82.1%-7.1pp |
| Annual return | 7.87% | 116.96%-109.1pp | 63.51%-55.6pp | 478.82%-470.9pp |
| Employer contribution / active EE | $594 | $3,245-81.7% | $2,496-76.2% | $4,839-87.7% |
| Participant deferral / active EE | $5,598 | $4,547+23.1% | $3,699+51.3% | $6,342-11.7% |
| Admin fee / account holder | $2,359 | $8,417-72.0% | $5,830-59.5% | $12,315-80.8% |