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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 | $54,512 | $55,902-2.5% | $76,030-28.3% | $80,959-32.7% |
| Participation rate | 96.0% | 62.1%+33.9pp | 69.1%+26.9pp | 67.7%+28.3pp |
| Annual return | 9.95% | 20.59%-10.6pp | 361.54%-351.6pp | 35.67%-25.7pp |
| Employer contribution / active EE | $2,091 | $1,867+12.0% | $2,688-22.2% | $2,757-24.2% |
| Participant deferral / active EE | $4,409 | $3,051+44.5% | $4,257+3.6% | $4,300+2.5% |
| Admin fee / account holder | $3,395 | $5,239-35.2% | $6,421-47.1% | $6,925-51.0% |