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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 | $28,553 | $89,370-68.1% | $141,197-79.8% | $72,976-60.9% |
| Participation rate | 94.3% | 75.1%+19.2pp | 82.5%+11.8pp | 69.5%+24.8pp |
| Annual return | 18.71% | 111.88%-93.2pp | 71.41%-52.7pp | 81.02%-62.3pp |
| Employer contribution / active EE | $1,835 | $3,115-41.1% | $4,736-61.3% | $2,440-24.8% |
| Participant deferral / active EE | $4,380 | $5,419-19.2% | $6,710-34.7% | $3,608+21.4% |
| Admin fee / account holder | $3,294 | $5,957-44.7% | $10,265-67.9% | $5,124-35.7% |