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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 | $113,002 | $85,171+32.7% | $172,753-34.6% | $72,976+54.8% |
| Participation rate | 75.0% | 70.1%+4.9pp | 82.6%-7.6pp | 69.5%+5.5pp |
| Annual return | 13.66% | 27.32%-13.7pp | 803.00%-789.3pp | 81.02%-67.4pp |
| Employer contribution / active EE | $1,798 | $3,324-45.9% | $5,144-65.1% | $2,440-26.3% |
| Participant deferral / active EE | $3,278 | $3,260+0.6% | $5,198-36.9% | $3,608-9.1% |
| Admin fee / account holder | $3,308 | $5,880-43.7% | $13,956-76.3% | $5,124-35.4% |