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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 | $73,233 | $110,379-33.7% | $102,412-28.5% | $145,884-49.8% |
| Participation rate | 93.8% | 77.9%+15.8pp | 74.5%+19.2pp | 80.3%+13.4pp |
| Annual return | 5.58% | 24.84%-19.3pp | 24.94%-19.4pp | 551.85%-546.3pp |
| Employer contribution / active EE | $12,101 | $4,216+187.0% | $3,870+212.7% | $4,662+159.5% |
| Participant deferral / active EE | $5,910 | $5,622+5.1% | $5,060+16.8% | $6,690-11.7% |
| Admin fee / account holder | $4,794 | $9,745-50.8% | $8,388-42.8% | $13,392-64.2% |