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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 | $65,778 | $102,385-35.8% | $147,080-55.3% | $80,935-18.7% |
| Participation rate | 94.6% | 75.9%+18.7pp | 82.2%+12.4pp | 67.7%+26.9pp |
| Annual return | 3.40% | 135.09%-131.7pp | 420.17%-416.8pp | 35.66%-32.3pp |
| Employer contribution / active EE | $2,281 | $3,717-38.6% | $4,933-53.8% | $2,757-17.3% |
| Participant deferral / active EE | $4,866 | $6,651-26.8% | $8,066-39.7% | $4,299+13.2% |
| Admin fee / account holder | $2,228 | $7,951-72.0% | $12,989-82.8% | $6,924-67.8% |