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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 | $58,258-8.3% | $81,820-34.7% | $80,925-34.0% |
| Participation rate | 93.9% | 63.5%+30.4pp | 72.4%+21.5pp | 67.7%+26.2pp |
| Annual return | 10.40% | 41.76%-31.4pp | 777.93%-767.5pp | 35.65%-25.2pp |
| Employer contribution / active EE | $2,105 | $2,345-10.2% | $2,915-27.8% | $2,756-23.6% |
| Participant deferral / active EE | $6,014 | $3,284+83.1% | $4,323+39.1% | $4,299+39.9% |
| Admin fee / account holder | $1,704 | $4,976-65.7% | $7,391-76.9% | $6,940-75.4% |