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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 | $45,208 | $57,330-21.1% | $86,656-47.8% | $75,177-39.9% |
| Participation rate | 93.5% | 63.2%+30.3pp | 71.7%+21.8pp | 67.2%+26.3pp |
| Annual return | 13.36% | 2675.40%-2662.0pp | 593.09%-579.7pp | 160.75%-147.4pp |
| Employer contribution / active EE | $2,165 | $2,316-6.6% | $3,025-28.5% | $2,671-19.0% |
| Participant deferral / active EE | $5,783 | $3,320+74.2% | $4,439+30.3% | $4,126+40.1% |
| Admin fee / account holder | $5,902 | $4,115+43.4% | $5,619+5.0% | $5,651+4.4% |