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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 | $51,781 | $98,766-47.6% | $149,730-65.4% | $79,852-35.2% |
| Participation rate | 82.4% | 75.8%+6.6pp | 82.5%-0.1pp | 69.6%+12.7pp |
| Annual return | 8.19% | 27.43%-19.2pp | 276.70%-268.5pp | 31.72%-23.5pp |
| Employer contribution / active EE | $2,839 | $3,217-11.7% | $4,645-38.9% | $2,471+14.9% |
| Participant deferral / active EE | $6,227 | $5,681+9.6% | $6,843-9.0% | $3,740+66.5% |
| Admin fee / account holder | $6,282 | $6,052+3.8% | $9,310-32.5% | $5,306+18.4% |