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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 | $53,760 | $63,346-15.1% | $92,240-41.7% | $70,126-23.3% |
| Participation rate | 94.1% | 68.7%+25.4pp | 76.5%+17.6pp | 69.5%+24.6pp |
| Annual return | 7.28% | 530.19%-522.9pp | 176.29%-169.0pp | 73.15%-65.9pp |
| Employer contribution / active EE | $7,066 | $2,471+185.9% | $3,680+92.0% | $2,343+201.7% |
| Participant deferral / active EE | $4,666 | $2,854+63.5% | $3,897+19.7% | $3,332+40.0% |
| Admin fee / account holder | $2,468 | $3,841-35.7% | $5,194-52.5% | $4,645-46.9% |