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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 | $11,777 | $72,071-83.7% | $68,368-82.8% | $137,256-91.4% |
| Participation rate | 87.5% | 76.2%+11.3pp | 73.8%+13.7pp | 80.0%+7.5pp |
| Annual return | 10.63% | 353.14%-342.5pp | 292.57%-281.9pp | 220.34%-209.7pp |
| Employer contribution / active EE | $1,120 | $2,788-59.8% | $2,649-57.7% | $4,156-73.1% |
| Participant deferral / active EE | $3,590 | $4,410-18.6% | $4,123-12.9% | $6,407-44.0% |
| Admin fee / account holder | $1,245 | $5,336-76.7% | $5,150-75.8% | $12,270-89.9% |