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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 | $36,458 | $72,071-49.4% | $68,368-46.7% | $137,256-73.4% |
| Participation rate | 95.8% | 76.2%+19.6pp | 73.8%+22.1pp | 80.0%+15.9pp |
| Annual return | 10.77% | 353.14%-342.4pp | 292.57%-281.8pp | 220.34%-209.6pp |
| Employer contribution / active EE | $3,080 | $2,788+10.5% | $2,649+16.3% | $4,156-25.9% |
| Participant deferral / active EE | $1,124 | $4,410-74.5% | $4,123-72.7% | $6,407-82.5% |
| Admin fee / account holder | $1,253 | $5,336-76.5% | $5,150-75.7% | $12,270-89.8% |