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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 | $56,165 | $55,902+0.5% | $76,030-26.1% | $80,959-30.6% |
| Participation rate | 76.4% | 62.1%+14.3pp | 69.1%+7.3pp | 67.7%+8.7pp |
| Annual return | 8.09% | 20.59%-12.5pp | 361.54%-353.4pp | 35.67%-27.6pp |
| Employer contribution / active EE | $5,662 | $1,867+203.3% | $2,688+110.7% | $2,757+105.3% |
| Participant deferral / active EE | $2,972 | $3,051-2.6% | $4,257-30.2% | $4,300-30.9% |
| Admin fee / account holder | $28,748 | $5,239+448.7% | $6,421+347.8% | $6,925+315.1% |