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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 | $73,423 | $98,776-25.7% | $149,745-51.0% | $79,856-8.1% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.5%+17.5pp | 69.6%+30.4pp |
| Annual return | 11.52% | 27.38%-15.9pp | 276.72%-265.2pp | 31.71%-20.2pp |
| Employer contribution / active EE | $3,754 | $3,217+16.7% | $4,646-19.2% | $2,471+51.9% |
| Participant deferral / active EE | $5,772 | $5,681+1.6% | $6,843-15.7% | $3,741+54.3% |
| Admin fee / account holder | $6,099 | $6,053+0.8% | $9,312-34.5% | $5,306+14.9% |