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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 | $32,530 | $49,897-34.8% | $80,648-59.7% | $75,177-56.7% |
| Participation rate | 89.3% | 55.3%+34.0pp | 67.0%+22.3pp | 67.2%+22.1pp |
| Annual return | 12.57% | 34.68%-22.1pp | 937.21%-924.6pp | 160.75%-148.2pp |
| Employer contribution / active EE | $2,625 | $1,699+54.5% | $2,724-3.6% | $2,671-1.7% |
| Participant deferral / active EE | $6,871 | $2,992+129.7% | $4,443+54.6% | $4,126+66.5% |
| Admin fee / account holder | $1,948 | $3,579-45.6% | $5,382-63.8% | $5,651-65.5% |