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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 | $70,184 | $58,275+20.4% | $81,844-14.2% | $80,935-13.3% |
| Participation rate | 73.1% | 63.5%+9.6pp | 72.4%+0.7pp | 67.7%+5.4pp |
| Annual return | 10.19% | 41.82%-31.6pp | 778.87%-768.7pp | 35.66%-25.5pp |
| Employer contribution / active EE | $4,047 | $2,346+72.5% | $2,916+38.8% | $2,757+46.8% |
| Participant deferral / active EE | $8,358 | $3,285+154.4% | $4,323+93.3% | $4,299+94.4% |
| Admin fee / account holder | $11,345 | $4,749+138.9% | $7,355+54.2% | $6,924+63.8% |