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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 | $47,488 | $58,726-19.1% | $142,898-66.8% | $85,847-44.7% |
| Participation rate | 95.2% | 58.5%+36.8pp | 72.0%+23.3pp | 69.3%+25.9pp |
| Annual return | 10.91% | 27.73%-16.8pp | 5639.64%-5628.7pp | 318.61%-307.7pp |
| Employer contribution / active EE | $593 | $1,424-58.4% | $4,146-85.7% | $2,565-76.9% |
| Participant deferral / active EE | $4,469 | $2,609+71.3% | $3,838+16.4% | $3,952+13.1% |
| Admin fee / account holder | $2,971 | $4,234-29.8% | $6,560-54.7% | $6,261-52.5% |