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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 | $70,930 | $96,419-26.4% | $80,648-12.0% | $139,487-49.1% |
| Participation rate | 80.0% | 73.6%+6.4pp | 67.0%+13.0pp | 80.3%-0.3pp |
| Annual return | 6.95% | 1352.86%-1345.9pp | 937.21%-930.3pp | 373.84%-366.9pp |
| Employer contribution / active EE | $599 | $3,261-81.6% | $2,724-78.0% | $4,755-87.4% |
| Participant deferral / active EE | $2,638 | $5,225-49.5% | $4,443-40.6% | $6,713-60.7% |
| Admin fee / account holder | $511 | $6,605-92.3% | $5,382-90.5% | $11,407-95.5% |