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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 | $49,932 | $66,402-24.8% | $109,907-54.6% | $85,847-41.8% |
| Participation rate | 85.7% | 63.9%+21.8pp | 74.2%+11.5pp | 69.3%+16.4pp |
| Annual return | 9.53% | 19.59%-10.1pp | 29.46%-19.9pp | 318.61%-309.1pp |
| Employer contribution / active EE | $3,691 | $1,687+118.7% | $2,844+29.8% | $2,565+43.9% |
| Participant deferral / active EE | $1,126 | $2,842-60.4% | $4,047-72.2% | $3,952-71.5% |
| Admin fee / account holder | $1,820 | $4,557-60.1% | $6,069-70.0% | $6,261-70.9% |