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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 | $76,950 | $40,275+91.1% | $57,356+34.2% | $59,633+29.0% |
| Participation rate | 97.2% | 69.1%+28.1pp | 75.1%+22.1pp | 68.7%+28.6pp |
| Annual return | -3.63% | 27.52%-31.2pp | 24.41%-28.0pp | 2041.45%-2045.1pp |
| Employer contribution / active EE | $3,810 | $1,921+98.3% | $2,689+41.7% | $2,203+73.0% |
| Participant deferral / active EE | $5,756 | $2,400+139.8% | $3,162+82.0% | $3,192+80.3% |
| Admin fee / account holder | $1,255 | $2,820-55.5% | $3,357-62.6% | $4,297-70.8% |