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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 | $63,706 | $65,367-2.5% | $92,915-31.4% | $72,976-12.7% |
| Participation rate | 78.0% | 68.3%+9.7pp | 76.0%+2.0pp | 69.5%+8.5pp |
| Annual return | 4.10% | 42.11%-38.0pp | 109.45%-105.3pp | 81.02%-76.9pp |
| Employer contribution / active EE | $5,079 | $2,594+95.8% | $3,653+39.0% | $2,440+108.1% |
| Participant deferral / active EE | $5,069 | $3,128+62.0% | $4,238+19.6% | $3,608+40.5% |
| Admin fee / account holder | $2,410 | $4,251-43.3% | $5,796-58.4% | $5,124-53.0% |