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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 | $81,233-50.9% | $155,567-74.3% | $80,874-50.7% |
| Participation rate | 96.4% | 66.2%+30.2pp | 78.2%+18.2pp | 67.6%+28.8pp |
| Annual return | 8.62% | 33.33%-24.7pp | 64.74%-56.1pp | 35.62%-27.0pp |
| Employer contribution / active EE | $5,372 | $3,101+73.3% | $4,674+14.9% | $2,756+95.0% |
| Participant deferral / active EE | $3,844 | $3,452+11.3% | $5,628-31.7% | $4,297-10.5% |
| Admin fee / account holder | $39,704 | $7,998+396.4% | $15,916+149.5% | $6,935+472.5% |