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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 | $38,667 | $107,363-64.0% | $92,909-58.4% | $152,897-74.7% |
| Participation rate | 94.4% | 79.8%+14.7pp | 76.0%+18.4pp | 82.5%+12.0pp |
| Annual return | 5.52% | 145.63%-140.1pp | 109.44%-103.9pp | 345.43%-339.9pp |
| Employer contribution / active EE | $2,788 | $4,222-34.0% | $3,653-23.7% | $4,764-41.5% |
| Participant deferral / active EE | $3,557 | $4,848-26.6% | $4,238-16.1% | $5,851-39.2% |
| Admin fee / account holder | $412 | $7,082-94.2% | $5,795-92.9% | $11,599-96.5% |