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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 | $69,715 | $124,330-43.9% | $109,173-36.1% | $167,536-58.4% |
| Participation rate | 90.9% | 79.5%+11.5pp | 75.9%+15.0pp | 82.1%+8.8pp |
| Annual return | 8.38% | 26.04%-17.7pp | 25.75%-17.4pp | 478.82%-470.4pp |
| Employer contribution / active EE | $6,592 | $4,209+56.6% | $3,723+77.1% | $4,839+36.2% |
| Participant deferral / active EE | $1,845 | $5,256-64.9% | $4,654-60.4% | $6,342-70.9% |
| Admin fee / account holder | $1,379 | $7,974-82.7% | $6,755-79.6% | $12,315-88.8% |