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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 | $32,550 | $115,810-71.9% | $101,271-67.9% | $158,966-79.5% |
| Participation rate | 77.3% | 79.4%-2.1pp | 75.8%+1.5pp | 82.0%-4.7pp |
| Annual return | 4.42% | 56.15%-51.7pp | 46.48%-42.1pp | 302.95%-298.5pp |
| Employer contribution / active EE | $13,362 | $4,175+220.0% | $3,660+265.1% | $4,762+180.6% |
| Participant deferral / active EE | $6,407 | $4,958+29.2% | $4,371+46.6% | $5,983+7.1% |
| Admin fee / account holder | $1,386 | $7,248-80.9% | $5,948-76.7% | $11,250-87.7% |