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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 | $55,889-2.5% | $76,119-28.4% | $80,935-32.6% |
| Participation rate | 96.0% | 62.1%+33.9pp | 69.1%+26.9pp | 67.7%+28.3pp |
| Annual return | 9.95% | 20.58%-10.6pp | 361.25%-351.3pp | 35.66%-25.7pp |
| Employer contribution / active EE | $2,091 | $1,866+12.1% | $2,693-22.3% | $2,757-24.1% |
| Participant deferral / active EE | $4,409 | $3,051+44.5% | $4,259+3.5% | $4,299+2.5% |
| Admin fee / account holder | $3,395 | $5,241-35.2% | $6,421-47.1% | $6,924-51.0% |