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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 | $57,825 | $65,364-11.5% | $92,909-37.8% | $72,975-20.8% |
| Participation rate | 96.2% | 68.3%+27.8pp | 76.0%+20.1pp | 69.5%+26.7pp |
| Annual return | 9.67% | 42.11%-32.4pp | 109.44%-99.8pp | 81.01%-71.3pp |
| Employer contribution / active EE | $5,254 | $2,594+102.5% | $3,653+43.8% | $2,440+115.3% |
| Participant deferral / active EE | $3,050 | $3,128-2.5% | $4,238-28.0% | $3,608-15.4% |
| Admin fee / account holder | $6,294 | $4,251+48.1% | $5,795+8.6% | $5,124+22.8% |