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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 | $55,930+0.4% | $76,089-26.2% | $80,925-30.6% |
| Participation rate | 76.4% | 62.1%+14.3pp | 69.1%+7.3pp | 67.7%+8.7pp |
| Annual return | 8.09% | 20.58%-12.5pp | 360.94%-352.8pp | 35.65%-27.6pp |
| Employer contribution / active EE | $5,662 | $1,866+203.4% | $2,690+110.5% | $2,756+105.4% |
| Participant deferral / active EE | $2,972 | $3,051-2.6% | $4,259-30.2% | $4,299-30.9% |
| Admin fee / account holder | $28,748 | $5,241+448.6% | $6,418+347.9% | $6,940+314.2% |