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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 | $37,075 | $88,672-58.2% | $105,223-64.8% | $82,448-55.0% |
| Participation rate | 100.0% | 67.9%+32.1pp | 75.0%+25.0pp | 68.1%+31.9pp |
| Annual return | 12.48% | 30.86%-18.4pp | 180.65%-168.2pp | 41.64%-29.2pp |
| Employer contribution / active EE | $5,455 | $3,048+79.0% | $3,689+47.9% | $2,551+113.9% |
| Participant deferral / active EE | $4,985 | $4,036+23.5% | $5,072-1.7% | $4,139+20.4% |
| Admin fee / account holder | $10,484 | $7,146+46.7% | $8,859+18.3% | $7,234+44.9% |