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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 | $61,234 | $70,587-13.3% | $124,694-50.9% | $85,851-28.7% |
| Participation rate | 76.2% | 64.4%+11.8pp | 74.6%+1.6pp | 69.3%+6.9pp |
| Annual return | 10.43% | 20688.83%-20678.4pp | 5144.82%-5134.4pp | 318.63%-308.2pp |
| Employer contribution / active EE | $1,307 | $1,913-31.7% | $3,325-60.7% | $2,565-49.1% |
| Participant deferral / active EE | $4,318 | $2,969+45.4% | $4,615-6.4% | $3,952+9.2% |
| Admin fee / account holder | $1,257 | $5,282-76.2% | $7,495-83.2% | $6,261-79.9% |