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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 | $48,341 | $93,589-48.3% | $135,942-64.4% | $75,181-35.7% |
| Participation rate | 100.0% | 75.2%+24.8pp | 81.9%+18.1pp | 67.2%+32.8pp |
| Annual return | 11.94% | 30.90%-19.0pp | 68.28%-56.3pp | 160.69%-148.7pp |
| Employer contribution / active EE | $4,836 | $3,537+36.7% | $4,858-0.5% | $2,671+81.1% |
| Participant deferral / active EE | $3,998 | $6,405-37.6% | $7,759-48.5% | $4,126-3.1% |
| Admin fee / account holder | $2,938 | $6,977-57.9% | $10,764-72.7% | $5,650-48.0% |