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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 | $67,308 | $85,171-21.0% | $172,752-61.0% | $72,975-7.8% |
| Participation rate | 72.1% | 70.1%+2.0pp | 82.6%-10.6pp | 69.5%+2.6pp |
| Annual return | 15.56% | 27.32%-11.8pp | 802.97%-787.4pp | 81.01%-65.5pp |
| Employer contribution / active EE | $5,360 | $3,324+61.3% | $5,144+4.2% | $2,440+119.7% |
| Participant deferral / active EE | $4,139 | $3,260+26.9% | $5,198-20.4% | $3,608+14.7% |
| Admin fee / account holder | $23,378 | $5,880+297.6% | $13,955+67.5% | $5,124+356.2% |