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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 | $49,512 | $22,602+119.1% | $65,566-24.5% | $75,173-34.1% |
| Participation rate | 74.5% | 63.1%+11.4pp | 64.9%+9.5pp | 67.2%+7.3pp |
| Annual return | 15.65% | 71.13%-55.5pp | 47.40%-31.8pp | 160.72%-145.1pp |
| Employer contribution / active EE | $3,445 | $941+266.1% | $1,692+103.6% | $2,671+29.0% |
| Participant deferral / active EE | $5,295 | $1,695+212.5% | $2,832+87.0% | $4,126+28.3% |
| Admin fee / account holder | $2,509 | $1,877+33.7% | $4,114-39.0% | $5,651-55.6% |