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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 | $57,772 | $65,395-11.7% | $182,531-68.3% | $72,983-20.8% |
| Participation rate | 84.8% | 65.4%+19.4pp | 78.0%+6.9pp | 69.5%+15.4pp |
| Annual return | 4.96% | 27.68%-22.7pp | 148.57%-143.6pp | 81.01%-76.0pp |
| Employer contribution / active EE | $606 | $1,911-68.3% | $4,075-85.1% | $2,440-75.2% |
| Participant deferral / active EE | $3,082 | $3,563-13.5% | $5,525-44.2% | $3,608-14.6% |
| Admin fee / account holder | $1,438 | $4,245-66.1% | $8,593-83.3% | $5,124-71.9% |