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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 | $116,839 | $78,428+49.0% | $95,960+21.8% | $79,852+46.3% |
| Participation rate | 96.7% | 73.5%+23.2pp | 77.1%+19.6pp | 69.6%+27.0pp |
| Annual return | 2.24% | 19.37%-17.1pp | 91.63%-89.4pp | 31.72%-29.5pp |
| Employer contribution / active EE | $713 | $1,945-63.4% | $2,541-72.0% | $2,471-71.2% |
| Participant deferral / active EE | $4,771 | $3,440+38.7% | $4,167+14.5% | $3,740+27.5% |
| Admin fee / account holder | $14,919 | $5,622+165.4% | $6,797+119.5% | $5,306+181.2% |