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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 | $20,998 | $85,171-75.3% | $172,753-87.8% | $72,976-71.2% |
| Participation rate | 91.3% | 70.1%+21.2pp | 82.6%+8.7pp | 69.5%+21.8pp |
| Annual return | 5.70% | 27.32%-21.6pp | 803.00%-797.3pp | 81.02%-75.3pp |
| Employer contribution / active EE | $1,588 | $3,324-52.2% | $5,144-69.1% | $2,440-34.9% |
| Participant deferral / active EE | $1,327 | $3,260-59.3% | $5,198-74.5% | $3,608-63.2% |
| Admin fee / account holder | $1,068 | $5,880-81.8% | $13,956-92.3% | $5,124-79.2% |