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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 | $15,559 | $49,976-68.9% | $66,674-76.7% | $82,637-81.2% |
| Participation rate | 83.8% | 63.1%+20.7pp | 73.7%+10.1pp | 68.1%+15.7pp |
| Annual return | 6.32% | 39.09%-32.8pp | 321.24%-314.9pp | 53.51%-47.2pp |
| Employer contribution / active EE | $1,274 | $1,988-35.9% | $2,620-51.4% | $2,552-50.1% |
| Participant deferral / active EE | $1,330 | $2,847-53.3% | $4,084-67.4% | $4,126-67.8% |
| Admin fee / account holder | $6,303 | $4,594+37.2% | $5,098+23.6% | $7,339-14.1% |