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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 | $40,970 | $65,395-37.3% | $182,558-77.6% | $72,976-43.9% |
| Participation rate | 100.0% | 65.4%+34.6pp | 78.0%+22.0pp | 69.5%+30.5pp |
| Annual return | 17.74% | 27.68%-9.9pp | 148.59%-130.9pp | 81.02%-63.3pp |
| Employer contribution / active EE | $3,380 | $1,911+76.9% | $4,076-17.1% | $2,440+38.5% |
| Participant deferral / active EE | $5,029 | $3,563+41.1% | $5,526-9.0% | $3,608+39.4% |
| Admin fee / account holder | $6,069 | $4,245+43.0% | $8,594-29.4% | $5,124+18.4% |