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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 | $38,407 | $78,670-51.2% | $109,173-64.8% | $85,847-55.3% |
| Participation rate | 97.6% | 68.3%+29.3pp | 75.9%+21.7pp | 69.3%+28.3pp |
| Annual return | 9.08% | 25.09%-16.0pp | 25.75%-16.7pp | 318.61%-309.5pp |
| Employer contribution / active EE | $5,122 | $2,734+87.3% | $3,723+37.6% | $2,565+99.6% |
| Participant deferral / active EE | $4,140 | $3,467+19.4% | $4,654-11.1% | $3,952+4.7% |
| Admin fee / account holder | $924 | $5,469-83.1% | $6,755-86.3% | $6,261-85.2% |