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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 | $31,925 | $58,241-45.2% | $81,780-61.0% | $80,911-60.5% |
| Participation rate | 97.1% | 63.4%+33.6pp | 72.4%+24.7pp | 67.6%+29.4pp |
| Annual return | 9.87% | 41.73%-31.9pp | 776.27%-766.4pp | 35.63%-25.8pp |
| Employer contribution / active EE | $4,091 | $2,343+74.6% | $2,914+40.4% | $2,756+48.4% |
| Participant deferral / active EE | $4,473 | $3,283+36.3% | $4,321+3.5% | $4,297+4.1% |
| Admin fee / account holder | $1,394 | $4,973-72.0% | $7,384-81.1% | $6,935-79.9% |