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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 | $32,405 | $89,370-63.7% | $141,197-77.0% | $72,976-55.6% |
| Participation rate | 97.9% | 75.1%+22.8pp | 82.5%+15.4pp | 69.5%+28.4pp |
| Annual return | 15.30% | 111.88%-96.6pp | 71.41%-56.1pp | 81.02%-65.7pp |
| Employer contribution / active EE | $3,504 | $3,115+12.5% | $4,736-26.0% | $2,440+43.6% |
| Participant deferral / active EE | $3,915 | $5,419-27.8% | $6,710-41.7% | $3,608+8.5% |
| Admin fee / account holder | $1,254 | $5,957-79.0% | $10,265-87.8% | $5,124-75.5% |