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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 | $75,460 | $85,171-11.4% | $172,752-56.3% | $72,975+3.4% |
| Participation rate | 94.1% | 70.1%+24.1pp | 82.6%+11.5pp | 69.5%+24.6pp |
| Annual return | 15.64% | 27.32%-11.7pp | 802.97%-787.3pp | 81.01%-65.4pp |
| Employer contribution / active EE | $4,091 | $3,324+23.1% | $5,144-20.5% | $2,440+67.7% |
| Participant deferral / active EE | $3,615 | $3,260+10.9% | $5,198-30.4% | $3,608+0.2% |
| Admin fee / account holder | $437 | $5,880-92.6% | $13,955-96.9% | $5,124-91.5% |