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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 | $21,744 | $77,908-72.1% | $149,696-85.5% | $75,173-71.1% |
| Participation rate | 97.9% | 65.6%+32.3pp | 78.8%+19.1pp | 67.2%+30.7pp |
| Annual return | 11.90% | 31.73%-19.8pp | 134.46%-122.6pp | 160.72%-148.8pp |
| Employer contribution / active EE | $4,849 | $3,138+54.5% | $4,821+0.6% | $2,671+81.6% |
| Participant deferral / active EE | $5,726 | $3,411+67.9% | $5,682+0.8% | $4,126+38.8% |
| Admin fee / account holder | $738 | $5,950-87.6% | $13,212-94.4% | $5,651-86.9% |