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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 | $57,645 | $58,275-1.1% | $81,844-29.6% | $80,935-28.8% |
| Participation rate | 98.0% | 63.5%+34.5pp | 72.4%+25.6pp | 67.7%+30.3pp |
| Annual return | 9.95% | 41.82%-31.9pp | 778.87%-768.9pp | 35.66%-25.7pp |
| Employer contribution / active EE | $4,653 | $2,346+98.4% | $2,916+59.6% | $2,757+68.8% |
| Participant deferral / active EE | $2,570 | $3,285-21.8% | $4,323-40.6% | $4,299-40.2% |
| Admin fee / account holder | $1,104 | $4,749-76.7% | $7,355-85.0% | $6,924-84.1% |