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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 | $77,578 | $88,672-12.5% | $105,223-26.3% | $82,448-5.9% |
| Participation rate | 79.4% | 67.9%+11.5pp | 75.0%+4.4pp | 68.1%+11.3pp |
| Annual return | 11.26% | 30.86%-19.6pp | 180.65%-169.4pp | 41.64%-30.4pp |
| Employer contribution / active EE | $2,010 | $3,048-34.1% | $3,689-45.5% | $2,551-21.2% |
| Participant deferral / active EE | $3,974 | $4,036-1.5% | $5,072-21.6% | $4,139-4.0% |
| Admin fee / account holder | $9,324 | $7,146+30.5% | $8,859+5.2% | $7,234+28.9% |