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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 | $81,358-24.9% | $155,556-60.7% | $80,959-24.5% |
| Participation rate | 97.1% | 66.3%+30.9pp | 78.2%+18.9pp | 67.7%+29.5pp |
| Annual return | 10.07% | 33.39%-23.3pp | 64.84%-54.8pp | 35.67%-25.6pp |
| Employer contribution / active EE | $6,595 | $3,106+112.3% | $4,675+41.1% | $2,757+139.2% |
| Participant deferral / active EE | $3,914 | $3,455+13.3% | $5,631-30.5% | $4,300-9.0% |
| Admin fee / account holder | $1,127 | $7,994-85.9% | $15,885-92.9% | $6,925-83.7% |