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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 | $35,206 | $91,167-61.4% | $178,498-80.3% | $79,858-55.9% |
| Participation rate | 95.0% | 69.2%+25.8pp | 81.9%+13.1pp | 69.6%+25.4pp |
| Annual return | 7.83% | 24.19%-16.4pp | 151.09%-143.3pp | 31.72%-23.9pp |
| Employer contribution / active EE | $2,076 | $3,255-36.2% | $5,011-58.6% | $2,471-16.0% |
| Participant deferral / active EE | $4,253 | $3,236+31.4% | $5,202-18.3% | $3,740+13.7% |
| Admin fee / account holder | $1,931 | $6,747-71.4% | $13,985-86.2% | $5,306-63.6% |