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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 | $60,338 | $74,661-19.2% | $160,784-62.5% | $67,986-11.2% |
| Participation rate | 85.3% | 57.1%+28.2pp | 77.0%+8.3pp | 57.2%+28.1pp |
| Annual return | 13.73% | 28.83%-15.1pp | 1803.92%-1790.2pp | 31.67%-17.9pp |
| Employer contribution / active EE | $7,624 | $1,829+316.9% | $3,733+104.3% | $2,019+277.7% |
| Participant deferral / active EE | $5,245 | $3,681+42.5% | $6,293-16.6% | $3,358+56.2% |
| Admin fee / account holder | $8,933 | $3,959+125.6% | $9,717-8.1% | $3,203+178.9% |