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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 | $111,601 | $88,672+25.9% | $105,223+6.1% | $82,448+35.4% |
| Participation rate | 97.1% | 67.9%+29.1pp | 75.0%+22.0pp | 68.1%+29.0pp |
| Annual return | 3.50% | 30.86%-27.4pp | 180.65%-177.1pp | 41.64%-38.1pp |
| Employer contribution / active EE | $6,560 | $3,048+115.2% | $3,689+77.8% | $2,551+157.2% |
| Participant deferral / active EE | $4,221 | $4,036+4.6% | $5,072-16.8% | $4,139+2.0% |
| Admin fee / account holder | $3,719 | $7,146-48.0% | $8,859-58.0% | $7,234-48.6% |