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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 | $29,229 | $57,330-49.0% | $86,656-66.3% | $75,177-61.1% |
| Participation rate | 96.4% | 63.2%+33.2pp | 71.7%+24.7pp | 67.2%+29.2pp |
| Annual return | 10.76% | 2675.40%-2664.6pp | 593.09%-582.3pp | 160.75%-150.0pp |
| Employer contribution / active EE | $1,571 | $2,316-32.2% | $3,025-48.1% | $2,671-41.2% |
| Participant deferral / active EE | $1,507 | $3,320-54.6% | $4,439-66.0% | $4,126-63.5% |
| Admin fee / account holder | $4,540 | $4,115+10.3% | $5,619-19.2% | $5,651-19.7% |