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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 | $58,220 | $51,638+12.7% | $68,368-14.8% | $82,448-29.4% |
| Participation rate | 81.3% | 63.6%+17.6pp | 73.8%+7.5pp | 68.1%+13.2pp |
| Annual return | 0.13% | 37.53%-37.4pp | 292.57%-292.4pp | 41.64%-41.5pp |
| Employer contribution / active EE | $0 | $2,047-100.0% | $2,649-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $910 | $2,914-68.8% | $4,123-77.9% | $4,139-78.0% |
| Admin fee / account holder | $688 | $4,643-85.2% | $5,150-86.6% | $7,234-90.5% |