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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 | $41,350 | $85,766-51.8% | $136,298-69.7% | $70,126-41.0% |
| Participation rate | 83.8% | 74.2%+9.6pp | 81.9%+1.9pp | 69.5%+14.2pp |
| Annual return | 13.98% | 31.46%-17.5pp | 5156.27%-5142.3pp | 73.15%-59.2pp |
| Employer contribution / active EE | $2,792 | $2,966-5.9% | $4,696-40.5% | $2,343+19.2% |
| Participant deferral / active EE | $5,702 | $5,051+12.9% | $6,247-8.7% | $3,332+71.1% |
| Admin fee / account holder | $721 | $5,421-86.7% | $9,244-92.2% | $4,645-84.5% |