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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 | $27,819 | $105,200-73.6% | $159,474-82.6% | $85,847-67.6% |
| Participation rate | 87.9% | 75.8%+12.1pp | 82.8%+5.0pp | 69.3%+18.6pp |
| Annual return | 11.78% | 45.08%-33.3pp | 263.68%-251.9pp | 318.61%-306.8pp |
| Employer contribution / active EE | $1,545 | $3,319-53.5% | $4,831-68.0% | $2,565-39.8% |
| Participant deferral / active EE | $2,981 | $5,946-49.9% | $7,353-59.5% | $3,952-24.6% |
| Admin fee / account holder | $2,183 | $6,934-68.5% | $10,802-79.8% | $6,261-65.1% |