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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 | $47,526 | $89,370-46.8% | $141,197-66.3% | $72,976-34.9% |
| Participation rate | 90.0% | 75.1%+14.9pp | 82.5%+7.5pp | 69.5%+20.5pp |
| Annual return | 18.29% | 111.88%-93.6pp | 71.41%-53.1pp | 81.02%-62.7pp |
| Employer contribution / active EE | $4,444 | $3,115+42.7% | $4,736-6.2% | $2,440+82.1% |
| Participant deferral / active EE | $3,823 | $5,419-29.4% | $6,710-43.0% | $3,608+6.0% |
| Admin fee / account holder | $4,253 | $5,957-28.6% | $10,265-58.6% | $5,124-17.0% |