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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 | $43,957 | $112,121-60.8% | $95,960-54.2% | $158,966-72.3% |
| Participation rate | 84.6% | 79.0%+5.6pp | 77.1%+7.5pp | 82.0%+2.7pp |
| Annual return | 3.86% | 171.16%-167.3pp | 91.63%-87.8pp | 302.95%-299.1pp |
| Employer contribution / active EE | $4,361 | $3,199+36.3% | $2,541+71.6% | $4,762-8.4% |
| Participant deferral / active EE | $5,377 | $4,784+12.4% | $4,167+29.1% | $5,983-10.1% |
| Admin fee / account holder | $5,371 | $10,135-47.0% | $6,797-21.0% | $11,250-52.3% |