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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 | $47,465 | $63,346-25.1% | $92,240-48.5% | $70,126-32.3% |
| Participation rate | 86.5% | 68.7%+17.8pp | 76.5%+10.0pp | 69.5%+16.9pp |
| Annual return | 11.44% | 530.19%-518.7pp | 176.29%-164.9pp | 73.15%-61.7pp |
| Employer contribution / active EE | $1,806 | $2,471-26.9% | $3,680-50.9% | $2,343-22.9% |
| Participant deferral / active EE | $2,084 | $2,854-27.0% | $3,897-46.5% | $3,332-37.4% |
| Admin fee / account holder | $2,002 | $3,841-47.9% | $5,194-61.4% | $4,645-56.9% |