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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 | $53,632 | $98,766-45.7% | $149,730-64.2% | $79,852-32.8% |
| Participation rate | 72.1% | 75.8%-3.7pp | 82.5%-10.4pp | 69.6%+2.5pp |
| Annual return | 10.68% | 27.43%-16.8pp | 276.70%-266.0pp | 31.72%-21.0pp |
| Employer contribution / active EE | $1,995 | $3,217-38.0% | $4,645-57.1% | $2,471-19.3% |
| Participant deferral / active EE | $3,467 | $5,681-39.0% | $6,843-49.3% | $3,740-7.3% |
| Admin fee / account holder | $580 | $6,052-90.4% | $9,310-93.8% | $5,306-89.1% |