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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 | $16,946 | $76,407-77.8% | $150,298-88.7% | $82,448-79.4% |
| Participation rate | 83.3% | 66.4%+16.9pp | 77.8%+5.6pp | 68.1%+15.3pp |
| Annual return | 8.96% | 39.99%-31.0pp | 62.79%-53.8pp | 41.64%-32.7pp |
| Employer contribution / active EE | $2,284 | $2,614-12.6% | $4,154-45.0% | $2,551-10.5% |
| Participant deferral / active EE | $5,408 | $3,214+68.2% | $5,453-0.8% | $4,139+30.6% |
| Admin fee / account holder | $4,058 | $6,352-36.1% | $14,116-71.3% | $7,234-43.9% |