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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 | $65,964 | $58,828+12.1% | $78,002-15.4% | $62,881+4.9% |
| Participation rate | 87.7% | 71.1%+16.6pp | 75.5%+12.2pp | 69.3%+18.4pp |
| Annual return | 4.72% | 17.16%-12.4pp | 425.99%-421.3pp | 20.14%-15.4pp |
| Employer contribution / active EE | $1,990 | $1,672+19.0% | $2,470-19.4% | $2,281-12.8% |
| Participant deferral / active EE | $4,481 | $2,686+66.9% | $3,497+28.1% | $3,203+39.9% |
| Admin fee / account holder | $4,261 | $4,393-3.0% | $5,481-22.3% | $4,296-0.8% |