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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 | $49,084 | $111,878-56.1% | $93,727-47.6% | $145,897-66.4% |
| Participation rate | 85.7% | 74.2%+11.5pp | 68.7%+17.0pp | 80.3%+5.4pp |
| Annual return | 6.95% | 204.28%-197.3pp | 133.83%-126.9pp | 552.29%-545.3pp |
| Employer contribution / active EE | $0 | $3,092-100.0% | $2,421-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $7,246 | $4,920+47.3% | $4,417+64.0% | $6,689+8.3% |
| Admin fee / account holder | $39,430 | $10,256+284.4% | $8,292+375.5% | $13,390+194.5% |