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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 | $61,848 | $48,364+27.9% | $71,796-13.9% | $62,881-1.6% |
| Participation rate | 92.7% | 60.6%+32.1pp | 69.1%+23.6pp | 69.3%+23.4pp |
| Annual return | 3.79% | 13.16%-9.4pp | 78.04%-74.2pp | 20.14%-16.4pp |
| Employer contribution / active EE | $1,868 | $1,042+79.3% | $1,924-2.9% | $2,281-18.1% |
| Participant deferral / active EE | $5,392 | $2,091+157.8% | $2,794+92.9% | $3,203+68.3% |
| Admin fee / account holder | $968 | $3,771-74.3% | $4,815-79.9% | $4,296-77.5% |