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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 | $30,480 | $98,776-69.1% | $149,745-79.6% | $79,856-61.8% |
| Participation rate | 84.5% | 75.8%+8.7pp | 82.5%+2.0pp | 69.6%+14.8pp |
| Annual return | 10.02% | 27.38%-17.4pp | 276.72%-266.7pp | 31.71%-21.7pp |
| Employer contribution / active EE | $6,703 | $3,217+108.3% | $4,646+44.3% | $2,471+171.2% |
| Participant deferral / active EE | $5,253 | $5,681-7.5% | $6,843-23.2% | $3,741+40.4% |
| Admin fee / account holder | $1,897 | $6,053-68.7% | $9,312-79.6% | $5,306-64.3% |