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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 | $56,013 | $65,367-14.3% | $92,915-39.7% | $72,976-23.2% |
| Participation rate | 97.5% | 68.3%+29.2pp | 76.0%+21.5pp | 69.5%+28.0pp |
| Annual return | 1.93% | 42.11%-40.2pp | 109.45%-107.5pp | 81.02%-79.1pp |
| Employer contribution / active EE | $4,077 | $2,594+57.2% | $3,653+11.6% | $2,440+67.1% |
| Participant deferral / active EE | $2,965 | $3,128-5.2% | $4,238-30.0% | $3,608-17.8% |
| Admin fee / account holder | $1,937 | $4,251-54.4% | $5,796-66.6% | $5,124-62.2% |