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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 | $42,662 | $105,210-59.5% | $159,487-73.3% | $85,851-50.3% |
| Participation rate | 88.0% | 75.8%+12.2pp | 82.8%+5.2pp | 69.3%+18.7pp |
| Annual return | 9.52% | 45.08%-35.6pp | 263.71%-254.2pp | 318.63%-309.1pp |
| Employer contribution / active EE | $2,445 | $3,319-26.3% | $4,831-49.4% | $2,565-4.7% |
| Participant deferral / active EE | $5,349 | $5,946-10.0% | $7,354-27.3% | $3,952+35.3% |
| Admin fee / account holder | $1,555 | $6,934-77.6% | $10,804-85.6% | $6,261-75.2% |