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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 | $39,255 | $91,559-57.1% | $133,978-70.7% | $79,856-50.8% |
| Participation rate | 92.3% | 73.3%+19.0pp | 79.8%+12.5pp | 69.6%+22.7pp |
| Annual return | 3.93% | 61.85%-57.9pp | 45.10%-41.2pp | 31.71%-27.8pp |
| Employer contribution / active EE | $6,411 | $2,384+168.9% | $3,919+63.6% | $2,471+159.4% |
| Participant deferral / active EE | $3,036 | $3,734-18.7% | $5,047-39.8% | $3,741-18.8% |
| Admin fee / account holder | $659 | $6,321-89.6% | $8,930-92.6% | $5,306-87.6% |