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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 | $80,315 | $77,638+3.4% | $156,551-48.7% | $62,881+27.7% |
| Participation rate | 95.1% | 71.2%+23.9pp | 84.0%+11.1pp | 69.3%+25.8pp |
| Annual return | 4.39% | 50.33%-45.9pp | 32.23%-27.8pp | 20.14%-15.8pp |
| Employer contribution / active EE | $1,839 | $3,444-46.6% | $5,501-66.6% | $2,281-19.4% |
| Participant deferral / active EE | $3,792 | $3,046+24.5% | $4,871-22.2% | $3,203+18.4% |
| Admin fee / account holder | $16,761 | $5,561+201.4% | $13,028+28.7% | $4,296+290.2% |