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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 | $67,694 | $77,638-12.8% | $156,551-56.8% | $62,881+7.7% |
| Participation rate | 93.8% | 71.2%+22.6pp | 84.0%+9.7pp | 69.3%+24.4pp |
| Annual return | 4.19% | 50.33%-46.1pp | 32.23%-28.0pp | 20.14%-16.0pp |
| Employer contribution / active EE | $5,509 | $3,444+60.0% | $5,501+0.1% | $2,281+141.5% |
| Participant deferral / active EE | $4,228 | $3,046+38.8% | $4,871-13.2% | $3,203+32.0% |
| Admin fee / account holder | $820 | $5,561-85.3% | $13,028-93.7% | $4,296-80.9% |