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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 | $53,306 | $58,923-9.5% | $97,167-45.1% | $74,546-28.5% |
| Participation rate | 74.8% | 63.6%+11.2pp | 72.7%+2.1pp | 67.2%+7.6pp |
| Annual return | 9.21% | 16.04%-6.8pp | 75.27%-66.1pp | 1366.03%-1356.8pp |
| Employer contribution / active EE | $5,146 | $1,894+171.7% | $2,729+88.5% | $2,624+96.1% |
| Participant deferral / active EE | $7,378 | $3,664+101.4% | $4,264+73.1% | $4,347+69.7% |
| Admin fee / account holder | $7,623 | $1,974+286.2% | $5,650+34.9% | $1,944+292.2% |