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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 | $78,590 | $65,566+19.9% | $86,235-8.9% | $75,177+4.5% |
| Participation rate | 77.4% | 60.5%+16.9pp | 69.0%+8.5pp | 67.2%+10.2pp |
| Annual return | 12.45% | 46.07%-33.6pp | 1170.03%-1157.6pp | 160.75%-148.3pp |
| Employer contribution / active EE | $0 | $1,553-100.0% | $2,381-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $4,585 | $3,023+51.6% | $3,987+15.0% | $4,126+11.1% |
| Admin fee / account holder | $1,415 | $5,470-74.1% | $6,856-79.4% | $5,651-75.0% |