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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 | $79,210 | $98,766-19.8% | $149,730-47.1% | $79,852-0.8% |
| Participation rate | 97.4% | 75.8%+21.6pp | 82.5%+14.9pp | 69.6%+27.7pp |
| Annual return | 10.55% | 27.43%-16.9pp | 276.70%-266.2pp | 31.72%-21.2pp |
| Employer contribution / active EE | $1,539 | $3,217-52.2% | $4,645-66.9% | $2,471-37.7% |
| Participant deferral / active EE | $3,982 | $5,681-29.9% | $6,843-41.8% | $3,740+6.5% |
| Admin fee / account holder | $4,963 | $6,052-18.0% | $9,310-46.7% | $5,306-6.5% |