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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 | $34,363 | $89,370-61.6% | $141,197-75.7% | $72,976-52.9% |
| Participation rate | 88.0% | 75.1%+12.9pp | 82.5%+5.5pp | 69.5%+18.5pp |
| Annual return | 17.23% | 111.88%-94.6pp | 71.41%-54.2pp | 81.02%-63.8pp |
| Employer contribution / active EE | $4,076 | $3,115+30.9% | $4,736-13.9% | $2,440+67.0% |
| Participant deferral / active EE | $2,959 | $5,419-45.4% | $6,710-55.9% | $3,608-18.0% |
| Admin fee / account holder | $628 | $5,957-89.5% | $10,265-93.9% | $5,124-87.8% |