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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 | $21,799 | $70,587-69.1% | $124,693-82.5% | $85,847-74.6% |
| Participation rate | 86.4% | 64.4%+21.9pp | 74.6%+11.8pp | 69.3%+17.0pp |
| Annual return | 7.45% | 20688.83%-20681.4pp | 5144.19%-5136.7pp | 318.61%-311.2pp |
| Employer contribution / active EE | $2,810 | $1,913+46.9% | $3,324-15.5% | $2,565+9.6% |
| Participant deferral / active EE | $4,027 | $2,969+35.7% | $4,615-12.7% | $3,952+1.9% |
| Admin fee / account holder | $1,878 | $5,282-64.4% | $7,494-74.9% | $6,261-70.0% |