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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 | $84,679 | $185,312-54.3% | $161,489-47.6% | $154,746-45.3% |
| Participation rate | 85.7% | 82.5%+3.3pp | 78.7%+7.0pp | 80.7%+5.0pp |
| Annual return | 3.07% | 103.84%-100.8pp | 89.72%-86.6pp | 172.34%-169.3pp |
| Employer contribution / active EE | $2,080 | $4,769-56.4% | $4,268-51.3% | $4,379-52.5% |
| Participant deferral / active EE | $5,773 | $6,350-9.1% | $5,630+2.6% | $6,730-14.2% |
| Admin fee / account holder | $547 | $18,654-97.1% | $16,006-96.6% | $14,365-96.2% |