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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 | $63,999 | $102,393-37.5% | $147,041-56.5% | $80,911-20.9% |
| Participation rate | 76.9% | 75.9%+1.1pp | 82.2%-5.2pp | 67.6%+9.3pp |
| Annual return | 9.75% | 134.95%-125.2pp | 419.21%-409.5pp | 35.63%-25.9pp |
| Employer contribution / active EE | $7,633 | $3,715+105.5% | $4,935+54.7% | $2,756+177.0% |
| Participant deferral / active EE | $9,281 | $6,647+39.6% | $8,071+15.0% | $4,297+116.0% |
| Admin fee / account holder | $14,154 | $7,943+78.2% | $13,006+8.8% | $6,935+104.1% |