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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 | $38,956 | $28,624+36.1% | $53,647-27.4% | $82,637-52.9% |
| Participation rate | 83.1% | 47.3%+35.8pp | 56.3%+26.8pp | 68.1%+15.0pp |
| Annual return | 12.50% | 664.98%-652.5pp | 358.33%-345.8pp | 53.51%-41.0pp |
| Employer contribution / active EE | $3,241 | $637+409.1% | $962+236.9% | $2,552+27.0% |
| Participant deferral / active EE | $5,084 | $1,196+325.1% | $1,813+180.4% | $4,126+23.2% |
| Admin fee / account holder | $5,777 | $2,022+185.8% | $2,460+134.9% | $7,339-21.3% |