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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 | $65,884 | $77,638-15.1% | $156,551-57.9% | $62,881+4.8% |
| Participation rate | 97.7% | 71.2%+26.5pp | 84.0%+13.7pp | 69.3%+28.4pp |
| Annual return | 3.97% | 50.33%-46.4pp | 32.23%-28.3pp | 20.14%-16.2pp |
| Employer contribution / active EE | $4,721 | $3,444+37.1% | $5,501-14.2% | $2,281+107.0% |
| Participant deferral / active EE | $3,888 | $3,046+27.7% | $4,871-20.2% | $3,203+21.4% |
| Admin fee / account holder | $3,356 | $5,561-39.6% | $13,028-74.2% | $4,296-21.9% |