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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 | $16,154 | $76,407-78.9% | $150,298-89.3% | $82,448-80.4% |
| Participation rate | 77.4% | 66.4%+11.0pp | 77.8%-0.3pp | 68.1%+9.4pp |
| Annual return | 7.28% | 39.99%-32.7pp | 62.79%-55.5pp | 41.64%-34.4pp |
| Employer contribution / active EE | $4,274 | $2,614+63.5% | $4,154+2.9% | $2,551+67.5% |
| Participant deferral / active EE | $3,246 | $3,214+1.0% | $5,453-40.5% | $4,139-21.6% |
| Admin fee / account holder | $18,040 | $6,352+184.0% | $14,116+27.8% | $7,234+149.4% |