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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 | $48,748 | $88,672-45.0% | $105,223-53.7% | $82,448-40.9% |
| Participation rate | 71.8% | 67.9%+3.9pp | 75.0%-3.2pp | 68.1%+3.7pp |
| Annual return | 12.63% | 30.86%-18.2pp | 180.65%-168.0pp | 41.64%-29.0pp |
| Employer contribution / active EE | $1,042 | $3,048-65.8% | $3,689-71.8% | $2,551-59.2% |
| Participant deferral / active EE | $4,462 | $4,036+10.5% | $5,072-12.0% | $4,139+7.8% |
| Admin fee / account holder | $20,454 | $7,146+186.2% | $8,859+130.9% | $7,234+182.7% |