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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 | $41,094 | $102,393-59.9% | $147,041-72.1% | $80,911-49.2% |
| Participation rate | 72.0% | 75.9%-3.9pp | 82.2%-10.2pp | 67.6%+4.4pp |
| Annual return | 10.93% | 134.95%-124.0pp | 419.21%-408.3pp | 35.63%-24.7pp |
| Employer contribution / active EE | $2,208 | $3,715-40.6% | $4,935-55.3% | $2,756-19.9% |
| Participant deferral / active EE | $4,521 | $6,647-32.0% | $8,071-44.0% | $4,297+5.2% |
| Admin fee / account holder | $977 | $7,943-87.7% | $13,006-92.5% | $6,935-85.9% |