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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 | $97,572 | $77,638+25.7% | $156,551-37.7% | $62,881+55.2% |
| Participation rate | 96.0% | 71.2%+24.8pp | 84.0%+12.0pp | 69.3%+26.7pp |
| Annual return | 2.97% | 50.33%-47.4pp | 32.23%-29.3pp | 20.14%-17.2pp |
| Employer contribution / active EE | $5,620 | $3,444+63.2% | $5,501+2.2% | $2,281+146.4% |
| Participant deferral / active EE | $4,283 | $3,046+40.6% | $4,871-12.1% | $3,203+33.7% |
| Admin fee / account holder | $7,182 | $5,561+29.1% | $13,028-44.9% | $4,296+67.2% |