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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 | $53,394 | $58,311-8.4% | $81,882-34.8% | $80,959-34.0% |
| Participation rate | 93.9% | 63.5%+30.4pp | 72.4%+21.5pp | 67.7%+26.2pp |
| Annual return | 10.40% | 41.85%-31.4pp | 779.47%-769.1pp | 35.67%-25.3pp |
| Employer contribution / active EE | $2,105 | $2,347-10.3% | $2,916-27.8% | $2,757-23.7% |
| Participant deferral / active EE | $6,014 | $3,287+83.0% | $4,323+39.1% | $4,300+39.8% |
| Admin fee / account holder | $1,704 | $4,752-64.1% | $7,360-76.8% | $6,925-75.4% |