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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 | $30,780 | $98,766-68.8% | $149,730-79.4% | $79,852-61.5% |
| Participation rate | 84.0% | 75.8%+8.2pp | 82.5%+1.5pp | 69.6%+14.4pp |
| Annual return | 6.85% | 27.43%-20.6pp | 276.70%-269.8pp | 31.72%-24.9pp |
| Employer contribution / active EE | $4,198 | $3,217+30.5% | $4,645-9.6% | $2,471+69.9% |
| Participant deferral / active EE | $5,627 | $5,681-0.9% | $6,843-17.8% | $3,740+50.4% |
| Admin fee / account holder | $2,028 | $6,052-66.5% | $9,310-78.2% | $5,306-61.8% |