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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 | $130,768 | $65,364+100.1% | $92,909+40.7% | $72,975+79.2% |
| Participation rate | 84.6% | 68.3%+16.3pp | 76.0%+8.6pp | 69.5%+15.1pp |
| Annual return | 3.05% | 42.11%-39.1pp | 109.44%-106.4pp | 81.01%-78.0pp |
| Employer contribution / active EE | $2,887 | $2,594+11.3% | $3,653-21.0% | $2,440+18.3% |
| Participant deferral / active EE | $5,098 | $3,128+62.9% | $4,238+20.3% | $3,608+41.3% |
| Admin fee / account holder | $1,949 | $4,251-54.2% | $5,795-66.4% | $5,124-62.0% |