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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 | $69,404 | $85,766-19.1% | $136,298-49.1% | $70,126-1.0% |
| Participation rate | 100.0% | 74.2%+25.8pp | 81.9%+18.1pp | 69.5%+30.5pp |
| Annual return | 11.68% | 31.46%-19.8pp | 5156.27%-5144.6pp | 73.15%-61.5pp |
| Employer contribution / active EE | $2,706 | $2,966-8.8% | $4,696-42.4% | $2,343+15.5% |
| Participant deferral / active EE | $3,270 | $5,051-35.3% | $6,247-47.7% | $3,332-1.9% |
| Admin fee / account holder | $5,152 | $5,421-5.0% | $9,244-44.3% | $4,645+10.9% |