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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 | $53,305 | $54,763-2.7% | $90,324-41.0% | $72,976-27.0% |
| Participation rate | 98.3% | 65.2%+33.2pp | 73.3%+25.1pp | 69.5%+28.8pp |
| Annual return | 6.95% | 30.63%-23.7pp | 78.15%-71.2pp | 81.02%-74.1pp |
| Employer contribution / active EE | $4,148 | $2,093+98.1% | $2,856+45.2% | $2,440+70.0% |
| Participant deferral / active EE | $2,735 | $2,887-5.3% | $3,885-29.6% | $3,608-24.2% |
| Admin fee / account holder | $1,684 | $3,973-57.6% | $5,356-68.6% | $5,124-67.1% |