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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 | $51,356 | $112,121-54.2% | $95,960-46.5% | $158,966-67.7% |
| Participation rate | 75.0% | 79.0%-4.0pp | 77.1%-2.1pp | 82.0%-7.0pp |
| Annual return | 4.06% | 171.16%-167.1pp | 91.63%-87.6pp | 302.95%-298.9pp |
| Employer contribution / active EE | $1,946 | $3,199-39.2% | $2,541-23.4% | $4,762-59.1% |
| Participant deferral / active EE | $4,875 | $4,784+1.9% | $4,167+17.0% | $5,983-18.5% |
| Admin fee / account holder | $14,658 | $10,135+44.6% | $6,797+115.7% | $11,250+30.3% |