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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 | $57,584 | $105,200-45.3% | $159,474-63.9% | $85,847-32.9% |
| Participation rate | 97.5% | 75.8%+21.7pp | 82.8%+14.7pp | 69.3%+28.2pp |
| Annual return | 10.25% | 45.08%-34.8pp | 263.68%-253.4pp | 318.61%-308.4pp |
| Employer contribution / active EE | $6,931 | $3,319+108.9% | $4,831+43.5% | $2,565+170.2% |
| Participant deferral / active EE | $7,181 | $5,946+20.8% | $7,353-2.3% | $3,952+81.7% |
| Admin fee / account holder | $1,953 | $6,934-71.8% | $10,802-81.9% | $6,261-68.8% |