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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 | $50,032 | $63,346-21.0% | $92,240-45.8% | $70,126-28.7% |
| Participation rate | 73.9% | 68.7%+5.2pp | 76.5%-2.6pp | 69.5%+4.4pp |
| Annual return | 12.30% | 530.19%-517.9pp | 176.29%-164.0pp | 73.15%-60.8pp |
| Employer contribution / active EE | $5,289 | $2,471+114.0% | $3,680+43.7% | $2,343+125.8% |
| Participant deferral / active EE | $4,423 | $2,854+55.0% | $3,897+13.5% | $3,332+32.7% |
| Admin fee / account holder | $761 | $3,841-80.2% | $5,194-85.3% | $4,645-83.6% |