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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 | $34,660 | $106,001-67.3% | $92,235-62.4% | $147,585-76.5% |
| Participation rate | 91.7% | 80.4%+11.3pp | 76.5%+15.2pp | 82.8%+8.8pp |
| Annual return | 3.11% | 50.05%-46.9pp | 176.28%-173.2pp | 578.56%-575.5pp |
| Employer contribution / active EE | $1,034 | $4,333-76.1% | $3,679-71.9% | $4,876-78.8% |
| Participant deferral / active EE | $5,291 | $4,478+18.1% | $3,897+35.8% | $5,439-2.7% |
| Admin fee / account holder | $1,537 | $6,332-75.7% | $5,194-70.4% | $10,885-85.9% |