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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 | $43,060 | $29,319+46.9% | $52,425-17.9% | $82,448-47.8% |
| Participation rate | 80.8% | 46.9%+33.9pp | 55.6%+25.1pp | 68.1%+12.7pp |
| Annual return | 12.38% | 535.20%-522.8pp | 302.12%-289.7pp | 41.64%-29.3pp |
| Employer contribution / active EE | $3,353 | $586+471.8% | $914+266.8% | $2,551+31.4% |
| Participant deferral / active EE | $2,475 | $1,171+111.3% | $1,790+38.3% | $4,139-40.2% |
| Admin fee / account holder | $1,204 | $1,962-38.7% | $2,495-51.8% | $7,234-83.4% |