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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 | $59,979 | $49,199+21.9% | $121,210-50.5% | $75,177-20.2% |
| Participation rate | 80.0% | 55.4%+24.6pp | 69.5%+10.5pp | 67.2%+12.8pp |
| Annual return | 13.47% | 56.04%-42.6pp | 987.41%-973.9pp | 160.75%-147.3pp |
| Employer contribution / active EE | $0 | $1,547-100.0% | $4,171-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $2,234 | $2,630-15.1% | $4,084-45.3% | $4,126-45.9% |
| Admin fee / account holder | $3,959 | $3,946+0.3% | $5,647-29.9% | $5,651-30.0% |