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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 | $60,119 | $80,812-25.6% | $160,784-62.6% | $82,448-27.1% |
| Participation rate | 72.0% | 66.2%+5.8pp | 77.0%-5.0pp | 68.1%+3.9pp |
| Annual return | 10.54% | 100.59%-90.0pp | 1803.92%-1793.4pp | 41.64%-31.1pp |
| Employer contribution / active EE | $604 | $2,174-72.2% | $3,733-83.8% | $2,551-76.3% |
| Participant deferral / active EE | $3,246 | $4,335-25.1% | $6,293-48.4% | $4,139-21.6% |
| Admin fee / account holder | $708 | $7,695-90.8% | $9,717-92.7% | $7,234-90.2% |