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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 | $43,930 | $105,856-58.5% | $90,161-51.3% | $147,586-70.2% |
| Participation rate | 88.9% | 79.7%+9.2pp | 76.9%+12.0pp | 82.8%+6.1pp |
| Annual return | 3.96% | 37.63%-33.7pp | 34.89%-30.9pp | 578.59%-574.6pp |
| Employer contribution / active EE | $6,069 | $4,126+47.1% | $3,318+82.9% | $4,876+24.5% |
| Participant deferral / active EE | $3,786 | $5,733-34.0% | $5,287-28.4% | $5,439-30.4% |
| Admin fee / account holder | $681 | $8,046-91.5% | $5,943-88.5% | $10,886-93.7% |