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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 | $39,911 | $81,331-50.9% | $155,534-74.3% | $80,935-50.7% |
| Participation rate | 96.4% | 66.3%+30.2pp | 78.2%+18.2pp | 67.7%+28.8pp |
| Annual return | 8.62% | 33.37%-24.8pp | 64.92%-56.3pp | 35.66%-27.0pp |
| Employer contribution / active EE | $5,372 | $3,105+73.0% | $4,675+14.9% | $2,757+94.9% |
| Participant deferral / active EE | $3,844 | $3,454+11.3% | $5,630-31.7% | $4,299-10.6% |
| Admin fee / account holder | $39,704 | $7,999+396.4% | $15,900+149.7% | $6,924+473.4% |