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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 | $114,983 | $89,367+28.7% | $141,191-18.6% | $72,975+57.6% |
| Participation rate | 70.4% | 75.1%-4.8pp | 82.5%-12.1pp | 69.5%+0.9pp |
| Annual return | 17.47% | 111.87%-94.4pp | 71.41%-53.9pp | 81.01%-63.5pp |
| Employer contribution / active EE | $1,084 | $3,115-65.2% | $4,736-77.1% | $2,440-55.6% |
| Participant deferral / active EE | $5,377 | $5,419-0.8% | $6,710-19.9% | $3,608+49.1% |
| Admin fee / account holder | $9,408 | $5,957+57.9% | $10,264-8.3% | $5,124+83.6% |