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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 | $44,373 | $65,440-32.2% | $98,506-55.0% | $85,851-48.3% |
| Participation rate | 88.2% | 65.0%+23.1pp | 73.3%+14.8pp | 69.3%+18.8pp |
| Annual return | 8.12% | 21.75%-13.6pp | 1494.92%-1486.8pp | 318.63%-310.5pp |
| Employer contribution / active EE | $4,175 | $2,169+92.5% | $2,961+41.0% | $2,565+62.8% |
| Participant deferral / active EE | $2,969 | $3,168-6.3% | $4,277-30.6% | $3,952-24.9% |
| Admin fee / account holder | $1,324 | $4,596-71.2% | $5,955-77.8% | $6,261-78.8% |