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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 | $20,752 | $58,848-64.7% | $88,179-76.5% | $82,637-74.9% |
| Participation rate | 96.2% | 57.9%+38.3pp | 69.1%+27.0pp | 68.1%+28.1pp |
| Annual return | 11.23% | 22.76%-11.5pp | 64.97%-53.7pp | 53.51%-42.3pp |
| Employer contribution / active EE | $3,407 | $1,678+103.0% | $2,549+33.6% | $2,552+33.5% |
| Participant deferral / active EE | $1,814 | $3,124-41.9% | $4,614-60.7% | $4,126-56.0% |
| Admin fee / account holder | $18,681 | $4,795+289.6% | $7,673+143.5% | $7,339+154.5% |