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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 | $64,446 | $84,236-23.5% | $170,435-62.2% | $70,126-8.1% |
| Participation rate | 91.7% | 70.8%+20.8pp | 83.6%+8.1pp | 69.5%+22.1pp |
| Annual return | 10.65% | 23.06%-12.4pp | 205.94%-195.3pp | 73.15%-62.5pp |
| Employer contribution / active EE | $4,484 | $3,387+32.4% | $5,432-17.5% | $2,343+91.4% |
| Participant deferral / active EE | $3,969 | $3,086+28.6% | $4,939-19.7% | $3,332+19.1% |
| Admin fee / account holder | $638 | $5,698-88.8% | $13,881-95.4% | $4,645-86.3% |