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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 | $57,456 | $60,139-4.5% | $90,461-36.5% | $79,856-28.1% |
| Participation rate | 87.5% | 65.0%+22.5pp | 72.7%+14.8pp | 69.6%+17.9pp |
| Annual return | 3.97% | 71.96%-68.0pp | 1294.76%-1290.8pp | 31.71%-27.7pp |
| Employer contribution / active EE | $502 | $2,069-75.7% | $3,264-84.6% | $2,471-79.7% |
| Participant deferral / active EE | $2,566 | $2,939-12.7% | $3,964-35.3% | $3,741-31.4% |
| Admin fee / account holder | $439 | $3,978-89.0% | $5,617-92.2% | $5,306-91.7% |