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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 | $35,345 | $70,366-49.8% | $66,674-47.0% | $138,895-74.6% |
| Participation rate | 86.7% | 76.2%+10.5pp | 73.7%+13.0pp | 79.9%+6.7pp |
| Annual return | 9.75% | 386.41%-376.7pp | 321.24%-311.5pp | 145.39%-135.6pp |
| Employer contribution / active EE | $428 | $2,765-84.5% | $2,620-83.7% | $4,194-89.8% |
| Participant deferral / active EE | $2,997 | $4,374-31.5% | $4,084-26.6% | $6,396-53.1% |
| Admin fee / account holder | $6,635 | $5,262+26.1% | $5,098+30.1% | $12,562-47.2% |