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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 | $32,393 | $124,336-73.9% | $111,303-70.9% | $167,518-80.7% |
| Participation rate | 87.5% | 79.6%+7.9pp | 77.3%+10.2pp | 82.1%+5.4pp |
| Annual return | 2.90% | 37.45%-34.5pp | 54.66%-51.8pp | 478.71%-475.8pp |
| Employer contribution / active EE | $6,743 | $3,436+96.2% | $2,731+146.9% | $4,838+39.4% |
| Participant deferral / active EE | $6,764 | $5,181+30.6% | $4,487+50.7% | $6,342+6.7% |
| Admin fee / account holder | $678 | $10,623-93.6% | $7,966-91.5% | $12,312-94.5% |