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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 | $43,825 | $132,099-66.8% | $115,599-62.1% | $138,895-68.4% |
| Participation rate | 70.8% | 77.9%-7.0pp | 74.3%-3.4pp | 79.9%-9.1pp |
| Annual return | 2.27% | 176.76%-174.5pp | 111.10%-108.8pp | 145.39%-143.1pp |
| Employer contribution / active EE | $0 | $3,416-100.0% | $2,955-100.0% | $4,194-100.0% |
| Participant deferral / active EE | $2,517 | $5,617-55.2% | $4,889-48.5% | $6,396-60.7% |
| Admin fee / account holder | $1,799 | $15,650-88.5% | $12,841-86.0% | $12,562-85.7% |