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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 | $48,372 | $105,198-54.0% | $159,455-69.7% | $85,856-43.7% |
| Participation rate | 80.6% | 75.8%+4.9pp | 82.8%-2.2pp | 69.3%+11.3pp |
| Annual return | 8.77% | 45.08%-36.3pp | 263.63%-254.9pp | 318.58%-309.8pp |
| Employer contribution / active EE | $4,519 | $3,319+36.2% | $4,830-6.4% | $2,565+76.2% |
| Participant deferral / active EE | $5,826 | $5,946-2.0% | $7,353-20.8% | $3,952+47.4% |
| Admin fee / account holder | $332 | $6,934-95.2% | $10,800-96.9% | $6,261-94.7% |