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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 | $69,738 | $72,071-3.2% | $68,368+2.0% | $137,256-49.2% |
| Participation rate | 85.7% | 76.2%+9.5pp | 73.8%+12.0pp | 80.0%+5.8pp |
| Annual return | 11.18% | 353.14%-342.0pp | 292.57%-281.4pp | 220.34%-209.2pp |
| Employer contribution / active EE | $1,022 | $2,788-63.3% | $2,649-61.4% | $4,156-75.4% |
| Participant deferral / active EE | $3,623 | $4,410-17.8% | $4,123-12.1% | $6,407-43.4% |
| Admin fee / account holder | $2,253 | $5,336-57.8% | $5,150-56.2% | $12,270-81.6% |