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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 | $52,697 | $90,691-41.9% | $76,119-30.8% | $145,884-63.9% |
| Participation rate | 91.7% | 74.5%+17.2pp | 69.1%+22.6pp | 80.3%+11.4pp |
| Annual return | 7.90% | 624.52%-616.6pp | 361.25%-353.3pp | 551.85%-543.9pp |
| Employer contribution / active EE | $2,060 | $3,329-38.1% | $2,693-23.5% | $4,662-55.8% |
| Participant deferral / active EE | $6,383 | $5,167+23.5% | $4,259+49.9% | $6,690-4.6% |
| Admin fee / account holder | $2,133 | $8,383-74.6% | $6,421-66.8% | $13,392-84.1% |