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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 | $95,324 | $48,078+98.3% | $78,676+21.2% | $62,881+51.6% |
| Participation rate | 93.3% | 65.2%+28.1pp | 73.6%+19.8pp | 69.3%+24.0pp |
| Annual return | -1.36% | 31.36%-32.7pp | 62.19%-63.5pp | 20.14%-21.5pp |
| Employer contribution / active EE | $17,625 | $2,015+774.9% | $2,850+518.4% | $2,281+672.7% |
| Participant deferral / active EE | $4,327 | $2,587+67.2% | $3,517+23.0% | $3,203+35.1% |
| Admin fee / account holder | $17,289 | $3,206+439.3% | $4,510+283.3% | $4,296+302.5% |