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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 | $66,480 | $95,406-30.3% | $185,849-64.2% | $85,847-22.6% |
| Participation rate | 92.0% | 68.8%+23.2pp | 81.7%+10.3pp | 69.3%+22.7pp |
| Annual return | 9.83% | 23.59%-13.8pp | 122.10%-112.3pp | 318.61%-308.8pp |
| Employer contribution / active EE | $4,668 | $3,314+40.9% | $5,169-9.7% | $2,565+81.9% |
| Participant deferral / active EE | $5,686 | $3,424+66.1% | $5,569+2.1% | $3,952+43.9% |
| Admin fee / account holder | $1,675 | $7,214-76.8% | $16,244-89.7% | $6,261-73.2% |