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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 | $35,824 | $65,434-45.3% | $98,483-63.6% | $85,847-58.3% |
| Participation rate | 93.8% | 65.0%+28.7pp | 73.3%+20.4pp | 69.3%+24.4pp |
| Annual return | 10.20% | 21.75%-11.5pp | 1494.38%-1484.2pp | 318.61%-308.4pp |
| Employer contribution / active EE | $1,996 | $2,169-8.0% | $2,961-32.6% | $2,565-22.2% |
| Participant deferral / active EE | $4,784 | $3,168+51.0% | $4,276+11.9% | $3,952+21.0% |
| Admin fee / account holder | $4,069 | $4,595-11.5% | $5,953-31.7% | $6,261-35.0% |