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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 | $91,789 | $65,027+41.2% | $90,970+0.9% | $79,852+14.9% |
| Participation rate | 80.0% | 61.6%+18.4pp | 69.0%+11.0pp | 69.6%+10.4pp |
| Annual return | 6.00% | 30.45%-24.5pp | 134.58%-128.6pp | 31.72%-25.7pp |
| Employer contribution / active EE | $1,370 | $1,247+9.8% | $2,122-35.5% | $2,471-44.6% |
| Participant deferral / active EE | $5,655 | $2,512+125.1% | $3,373+67.6% | $3,740+51.2% |
| Admin fee / account holder | $2,116 | $4,535-53.3% | $5,960-64.5% | $5,306-60.1% |