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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 | $60,404 | $98,766-38.8% | $149,730-59.7% | $79,852-24.4% |
| Participation rate | 87.5% | 75.8%+11.7pp | 82.5%+5.0pp | 69.6%+17.9pp |
| Annual return | 10.41% | 27.43%-17.0pp | 276.70%-266.3pp | 31.72%-21.3pp |
| Employer contribution / active EE | $5,078 | $3,217+57.8% | $4,645+9.3% | $2,471+105.5% |
| Participant deferral / active EE | $3,144 | $5,681-44.7% | $6,843-54.1% | $3,740-16.0% |
| Admin fee / account holder | $6,414 | $6,052+6.0% | $9,310-31.1% | $5,306+20.9% |