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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 | $43,866 | $102,422-57.2% | $147,117-70.2% | $80,959-45.8% |
| Participation rate | 77.4% | 75.9%+1.5pp | 82.2%-4.8pp | 67.7%+9.7pp |
| Annual return | 10.36% | 135.16%-124.8pp | 420.54%-410.2pp | 35.67%-25.3pp |
| Employer contribution / active EE | $1,831 | $3,717-50.7% | $4,932-62.9% | $2,757-33.6% |
| Participant deferral / active EE | $3,085 | $6,652-53.6% | $8,065-61.7% | $4,300-28.3% |
| Admin fee / account holder | $1,846 | $7,953-76.8% | $12,993-85.8% | $6,925-73.3% |