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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 | $33,698 | $98,776-65.9% | $149,745-77.5% | $79,856-57.8% |
| Participation rate | 85.2% | 75.8%+9.4pp | 82.5%+2.7pp | 69.6%+15.5pp |
| Annual return | 8.07% | 27.38%-19.3pp | 276.72%-268.7pp | 31.71%-23.6pp |
| Employer contribution / active EE | $4,683 | $3,217+45.6% | $4,646+0.8% | $2,471+89.5% |
| Participant deferral / active EE | $3,961 | $5,681-30.3% | $6,843-42.1% | $3,741+5.9% |
| Admin fee / account holder | $15,556 | $6,053+157.0% | $9,312+67.1% | $5,306+193.2% |