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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 | $63,843 | $102,422-37.7% | $147,117-56.6% | $80,959-21.1% |
| Participation rate | 78.4% | 75.9%+2.5pp | 82.2%-3.8pp | 67.7%+10.7pp |
| Annual return | 11.83% | 135.16%-123.3pp | 420.54%-408.7pp | 35.67%-23.8pp |
| Employer contribution / active EE | $1,578 | $3,717-57.6% | $4,932-68.0% | $2,757-42.8% |
| Participant deferral / active EE | $4,015 | $6,652-39.6% | $8,065-50.2% | $4,300-6.6% |
| Admin fee / account holder | $4,240 | $7,953-46.7% | $12,993-67.4% | $6,925-38.8% |