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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 | $28,541 | $112,131-74.5% | $95,964-70.3% | $158,982-82.0% |
| Participation rate | 93.8% | 79.0%+14.8pp | 77.1%+16.7pp | 82.0%+11.8pp |
| Annual return | 3.30% | 171.19%-167.9pp | 91.64%-88.3pp | 302.99%-299.7pp |
| Employer contribution / active EE | $3,902 | $3,199+22.0% | $2,541+53.5% | $4,763-18.1% |
| Participant deferral / active EE | $2,610 | $4,784-45.4% | $4,167-37.4% | $5,983-56.4% |
| Admin fee / account holder | $8,598 | $10,136-15.2% | $6,797+26.5% | $11,252-23.6% |