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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 | $63,736 | $85,766-25.7% | $136,298-53.2% | $70,126-9.1% |
| Participation rate | 76.3% | 74.2%+2.2pp | 81.9%-5.6pp | 69.5%+6.8pp |
| Annual return | 12.28% | 31.46%-19.2pp | 5156.27%-5144.0pp | 73.15%-60.9pp |
| Employer contribution / active EE | $4,098 | $2,966+38.2% | $4,696-12.7% | $2,343+74.9% |
| Participant deferral / active EE | $2,902 | $5,051-42.5% | $6,247-53.5% | $3,332-12.9% |
| Admin fee / account holder | $3,022 | $5,421-44.2% | $9,244-67.3% | $4,645-34.9% |