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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 | $56,050 | $51,638+8.5% | $68,368-18.0% | $82,448-32.0% |
| Participation rate | 100.0% | 63.6%+36.4pp | 73.8%+26.2pp | 68.1%+31.9pp |
| Annual return | 10.44% | 37.53%-27.1pp | 292.57%-282.1pp | 41.64%-31.2pp |
| Employer contribution / active EE | $2,113 | $2,047+3.2% | $2,649-20.2% | $2,551-17.2% |
| Participant deferral / active EE | $3,213 | $2,914+10.3% | $4,123-22.1% | $4,139-22.4% |
| Admin fee / account holder | $1,270 | $4,643-72.6% | $5,150-75.3% | $7,234-82.4% |