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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 | $51,096 | $97,125-47.4% | $86,233-40.7% | $137,256-62.8% |
| Participation rate | 77.8% | 74.2%+3.6pp | 69.0%+8.8pp | 80.0%-2.2pp |
| Annual return | 7.81% | 74.19%-66.4pp | 61.39%-53.6pp | 220.34%-212.5pp |
| Employer contribution / active EE | $1,281 | $2,841-54.9% | $2,504-48.9% | $4,156-69.2% |
| Participant deferral / active EE | $7,907 | $5,180+52.6% | $4,559+73.4% | $6,407+23.4% |
| Admin fee / account holder | $304 | $9,725-96.9% | $8,342-96.4% | $12,270-97.5% |