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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 | $71,530 | $57,330+24.8% | $86,656-17.5% | $75,177-4.9% |
| Participation rate | 87.1% | 63.2%+23.9pp | 71.7%+15.4pp | 67.2%+19.9pp |
| Annual return | 2.72% | 2675.40%-2672.7pp | 593.09%-590.4pp | 160.75%-158.0pp |
| Employer contribution / active EE | $4,030 | $2,316+74.0% | $3,025+33.2% | $2,671+50.9% |
| Participant deferral / active EE | $6,510 | $3,320+96.1% | $4,439+46.6% | $4,126+57.8% |
| Admin fee / account holder | $3,552 | $4,115-13.7% | $5,619-36.8% | $5,651-37.2% |