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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 | $28,915 | $109,872-73.7% | $98,483-70.6% | $167,536-82.7% |
| Participation rate | 84.6% | 75.8%+8.8pp | 73.3%+11.3pp | 82.1%+2.5pp |
| Annual return | 8.36% | 1959.31%-1951.0pp | 1494.38%-1486.0pp | 478.82%-470.5pp |
| Employer contribution / active EE | $874 | $3,225-72.9% | $2,961-70.5% | $4,839-81.9% |
| Participant deferral / active EE | $2,922 | $4,673-37.5% | $4,276-31.7% | $6,342-53.9% |
| Admin fee / account holder | $362 | $6,757-94.6% | $5,953-93.9% | $12,315-97.1% |