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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 | $32,916 | $102,429-67.9% | $147,096-77.6% | $80,925-59.3% |
| Participation rate | 85.4% | 75.9%+9.6pp | 82.2%+3.2pp | 67.7%+17.8pp |
| Annual return | 10.57% | 135.02%-124.4pp | 419.75%-409.2pp | 35.65%-25.1pp |
| Employer contribution / active EE | $2,396 | $3,716-35.5% | $4,936-51.5% | $2,756-13.1% |
| Participant deferral / active EE | $4,139 | $6,649-37.7% | $8,071-48.7% | $4,299-3.7% |
| Admin fee / account holder | $943 | $7,957-88.1% | $13,005-92.7% | $6,940-86.4% |