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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 | $56,072 | $112,935-50.4% | $90,970-38.4% | $158,966-64.7% |
| Participation rate | 85.7% | 74.7%+11.0pp | 69.0%+16.7pp | 82.0%+3.8pp |
| Annual return | 0.21% | 215.79%-215.6pp | 134.58%-134.4pp | 302.95%-302.7pp |
| Employer contribution / active EE | $7,328 | $2,895+153.2% | $2,122+245.3% | $4,762+53.9% |
| Participant deferral / active EE | $4,743 | $4,129+14.9% | $3,373+40.6% | $5,983-20.7% |
| Admin fee / account holder | $862 | $8,045-89.3% | $5,960-85.5% | $11,250-92.3% |