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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 | $61,110 | $81,276-24.8% | $155,574-60.7% | $80,925-24.5% |
| Participation rate | 97.1% | 66.2%+30.9pp | 78.2%+18.9pp | 67.7%+29.5pp |
| Annual return | 10.07% | 33.36%-23.3pp | 64.87%-54.8pp | 35.65%-25.6pp |
| Employer contribution / active EE | $6,595 | $3,103+112.5% | $4,676+41.1% | $2,756+139.3% |
| Participant deferral / active EE | $3,914 | $3,453+13.3% | $5,629-30.5% | $4,299-9.0% |
| Admin fee / account holder | $1,127 | $7,993-85.9% | $15,914-92.9% | $6,940-83.8% |