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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 | $55,632 | $101,063-45.0% | $81,473-31.7% | $147,585-62.3% |
| Participation rate | 78.9% | 74.5%+4.5pp | 68.0%+11.0pp | 82.8%-3.9pp |
| Annual return | 6.37% | 32.41%-26.0pp | 38.78%-32.4pp | 578.58%-572.2pp |
| Employer contribution / active EE | $6,370 | $3,206+98.7% | $2,568+148.1% | $4,876+30.6% |
| Participant deferral / active EE | $532 | $4,242-87.5% | $3,537-85.0% | $5,439-90.2% |
| Admin fee / account holder | $3,169 | $5,812-45.5% | $4,561-30.5% | $10,886-70.9% |