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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 | $54,965 | $89,370-38.5% | $141,197-61.1% | $72,976-24.7% |
| Participation rate | 93.9% | 75.1%+18.8pp | 82.5%+11.5pp | 69.5%+24.5pp |
| Annual return | 18.22% | 111.88%-93.7pp | 71.41%-53.2pp | 81.02%-62.8pp |
| Employer contribution / active EE | $8,295 | $3,115+166.3% | $4,736+75.1% | $2,440+239.9% |
| Participant deferral / active EE | $6,533 | $5,419+20.6% | $6,710-2.6% | $3,608+81.1% |
| Admin fee / account holder | $10,405 | $5,957+74.7% | $10,265+1.4% | $5,124+103.1% |