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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 | $97,079 | $65,364+48.5% | $92,909+4.5% | $72,975+33.0% |
| Participation rate | 84.8% | 68.3%+16.5pp | 76.0%+8.8pp | 69.5%+15.4pp |
| Annual return | 2.03% | 42.11%-40.1pp | 109.44%-107.4pp | 81.01%-79.0pp |
| Employer contribution / active EE | $10,683 | $2,594+311.8% | $3,653+192.4% | $2,440+337.8% |
| Participant deferral / active EE | $3,785 | $3,128+21.0% | $4,238-10.7% | $3,608+4.9% |
| Admin fee / account holder | $2,401 | $4,251-43.5% | $5,795-58.6% | $5,124-53.1% |