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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 | $39,794 | $183,592-78.3% | $155,574-74.4% | $145,877-72.7% |
| Participation rate | 80.0% | 82.7%-2.7pp | 78.2%+1.8pp | 80.3%-0.3pp |
| Annual return | 4.21% | 61.37%-57.2pp | 64.87%-60.7pp | 551.28%-547.1pp |
| Employer contribution / active EE | $10,708 | $5,317+101.4% | $4,676+129.0% | $4,663+129.6% |
| Participant deferral / active EE | $4,699 | $6,466-27.3% | $5,629-16.5% | $6,691-29.8% |
| Admin fee / account holder | $1,939 | $19,316-90.0% | $15,914-87.8% | $13,402-85.5% |