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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 | $65,397 | $85,766-23.7% | $136,297-52.0% | $70,124-6.7% |
| Participation rate | 92.7% | 74.2%+18.5pp | 81.9%+10.8pp | 69.5%+23.1pp |
| Annual return | 14.01% | 31.45%-17.4pp | 5156.19%-5142.2pp | 73.14%-59.1pp |
| Employer contribution / active EE | $6,203 | $2,966+109.1% | $4,696+32.1% | $2,342+164.8% |
| Participant deferral / active EE | $5,661 | $5,051+12.1% | $6,247-9.4% | $3,332+69.9% |
| Admin fee / account holder | $1,438 | $5,420-73.5% | $9,244-84.4% | $4,645-69.1% |