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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 | $71,186 | $84,236-15.5% | $170,435-58.2% | $70,126+1.5% |
| Participation rate | 76.7% | 70.8%+5.8pp | 83.6%-6.9pp | 69.5%+7.1pp |
| Annual return | 6.46% | 23.06%-16.6pp | 205.94%-199.5pp | 73.15%-66.7pp |
| Employer contribution / active EE | $4,278 | $3,387+26.3% | $5,432-21.2% | $2,343+82.6% |
| Participant deferral / active EE | $2,447 | $3,086-20.7% | $4,939-50.5% | $3,332-26.6% |
| Admin fee / account holder | $2,515 | $5,698-55.9% | $13,881-81.9% | $4,645-45.9% |