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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 | $56,103 | $89,259-37.1% | $107,187-47.7% | $82,637-32.1% |
| Participation rate | 97.1% | 67.9%+29.1pp | 75.0%+22.0pp | 68.1%+29.0pp |
| Annual return | 12.06% | 21.02%-9.0pp | 204.55%-192.5pp | 53.51%-41.5pp |
| Employer contribution / active EE | $8,054 | $3,080+161.5% | $3,782+112.9% | $2,552+215.6% |
| Participant deferral / active EE | $2,037 | $4,037-49.5% | $5,096-60.0% | $4,126-50.6% |
| Admin fee / account holder | $4,718 | $7,381-36.1% | $9,162-48.5% | $7,339-35.7% |