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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 | $33,585 | $80,812-58.4% | $160,784-79.1% | $82,448-59.3% |
| Participation rate | 97.8% | 66.2%+31.5pp | 77.0%+20.8pp | 68.1%+29.7pp |
| Annual return | 13.18% | 100.59%-87.4pp | 1803.92%-1790.7pp | 41.64%-28.5pp |
| Employer contribution / active EE | $1,392 | $2,174-36.0% | $3,733-62.7% | $2,551-45.5% |
| Participant deferral / active EE | $2,702 | $4,335-37.7% | $6,293-57.1% | $4,139-34.7% |
| Admin fee / account holder | $1,582 | $7,695-79.4% | $9,717-83.7% | $7,234-78.1% |