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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 | $56,264 | $53,128+5.9% | $86,582-35.0% | $70,126-19.8% |
| Participation rate | 98.5% | 65.3%+33.2pp | 73.5%+24.9pp | 69.5%+28.9pp |
| Annual return | 8.00% | 27.66%-19.7pp | 965.08%-957.1pp | 73.15%-65.1pp |
| Employer contribution / active EE | $4,833 | $2,068+133.7% | $2,839+70.2% | $2,343+106.3% |
| Participant deferral / active EE | $1,189 | $2,695-55.9% | $3,609-67.0% | $3,332-64.3% |
| Admin fee / account holder | $11,776 | $3,584+228.6% | $4,904+140.1% | $4,645+153.5% |