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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 | $58,258-1.1% | $81,820-29.5% | $80,925-28.8% |
| Participation rate | 98.0% | 63.5%+34.5pp | 72.4%+25.6pp | 67.7%+30.3pp |
| Annual return | 9.95% | 41.76%-31.8pp | 777.93%-768.0pp | 35.65%-25.7pp |
| Employer contribution / active EE | $4,653 | $2,345+98.4% | $2,915+59.6% | $2,756+68.8% |
| Participant deferral / active EE | $2,570 | $3,284-21.7% | $4,323-40.5% | $4,299-40.2% |
| Admin fee / account holder | $1,104 | $4,976-77.8% | $7,391-85.1% | $6,940-84.1% |