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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 | $28,841 | $89,367-67.7% | $141,191-79.6% | $72,975-60.5% |
| Participation rate | 96.2% | 75.1%+21.0pp | 82.5%+13.7pp | 69.5%+26.7pp |
| Annual return | 12.42% | 111.87%-99.5pp | 71.41%-59.0pp | 81.01%-68.6pp |
| Employer contribution / active EE | $4,357 | $3,115+39.9% | $4,736-8.0% | $2,440+78.6% |
| Participant deferral / active EE | $3,846 | $5,419-29.0% | $6,710-42.7% | $3,608+6.6% |
| Admin fee / account holder | $6,186 | $5,957+3.9% | $10,264-39.7% | $5,124+20.7% |