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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 | $59,371 | $85,766-30.8% | $136,298-56.4% | $70,126-15.3% |
| Participation rate | 83.9% | 74.2%+9.7pp | 81.9%+1.9pp | 69.5%+14.3pp |
| Annual return | 11.50% | 31.46%-20.0pp | 5156.27%-5144.8pp | 73.15%-61.6pp |
| Employer contribution / active EE | $1,358 | $2,966-54.2% | $4,696-71.1% | $2,343-42.0% |
| Participant deferral / active EE | $2,850 | $5,051-43.6% | $6,247-54.4% | $3,332-14.5% |
| Admin fee / account holder | $6,040 | $5,421+11.4% | $9,244-34.7% | $4,645+30.0% |