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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 | $57,085 | $81,208-29.7% | $98,920-42.3% | $79,856-28.5% |
| Participation rate | 81.1% | 72.5%+8.6pp | 76.0%+5.1pp | 69.6%+11.4pp |
| Annual return | 5.50% | 60.99%-55.5pp | 196.47%-191.0pp | 31.71%-26.2pp |
| Employer contribution / active EE | $1,322 | $1,960-32.5% | $2,689-50.8% | $2,471-46.5% |
| Participant deferral / active EE | $2,435 | $3,265-25.4% | $4,245-42.6% | $3,741-34.9% |
| Admin fee / account holder | $4,785 | $6,013-20.4% | $6,643-28.0% | $5,306-9.8% |