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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 | $39,391 | $110,379-64.3% | $102,412-61.5% | $145,884-73.0% |
| Participation rate | 85.7% | 77.9%+7.8pp | 74.5%+11.2pp | 80.3%+5.4pp |
| Annual return | 5.28% | 24.84%-19.6pp | 24.94%-19.7pp | 551.85%-546.6pp |
| Employer contribution / active EE | $2,603 | $4,216-38.3% | $3,870-32.7% | $4,662-44.2% |
| Participant deferral / active EE | $6,124 | $5,622+8.9% | $5,060+21.0% | $6,690-8.5% |
| Admin fee / account holder | $439 | $9,745-95.5% | $8,388-94.8% | $13,392-96.7% |