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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 | $55,258 | $162,812-66.1% | $133,971-58.8% | $158,966-65.2% |
| Participation rate | 85.7% | 83.2%+2.5pp | 79.8%+5.9pp | 82.0%+3.8pp |
| Annual return | 5.36% | 41.94%-36.6pp | 45.09%-39.7pp | 302.95%-297.6pp |
| Employer contribution / active EE | $1,025 | $4,976-79.4% | $3,919-73.8% | $4,762-78.5% |
| Participant deferral / active EE | $2,260 | $5,910-61.8% | $5,047-55.2% | $5,983-62.2% |
| Admin fee / account holder | $2,056 | $11,741-82.5% | $8,929-77.0% | $11,250-81.7% |