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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 | $55,581 | $90,509-38.6% | $78,693-29.4% | $273,968-79.7% |
| Participation rate | 93.3% | 76.5%+16.8pp | 73.6%+19.8pp | 83.0%+10.3pp |
| Annual return | 1.82% | 75.61%-73.8pp | 62.18%-60.4pp | 41.45%-39.6pp |
| Employer contribution / active EE | $6,808 | $3,175+114.4% | $2,850+138.9% | $4,869+39.8% |
| Participant deferral / active EE | $6,333 | $3,901+62.3% | $3,517+80.1% | $5,287+19.8% |
| Admin fee / account holder | $795 | $5,264-84.9% | $4,511-82.4% | $10,132-92.2% |