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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 | $70,497 | $58,241+21.0% | $81,780-13.8% | $80,911-12.9% |
| Participation rate | 100.0% | 63.4%+36.6pp | 72.4%+27.6pp | 67.6%+32.4pp |
| Annual return | 10.57% | 41.73%-31.2pp | 776.27%-765.7pp | 35.63%-25.1pp |
| Employer contribution / active EE | $1,535 | $2,343-34.5% | $2,914-47.3% | $2,756-44.3% |
| Participant deferral / active EE | $3,274 | $3,283-0.3% | $4,321-24.2% | $4,297-23.8% |
| Admin fee / account holder | $410 | $4,973-91.8% | $7,384-94.4% | $6,935-94.1% |