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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 | $59,204 | $88,672-33.2% | $105,223-43.7% | $82,448-28.2% |
| Participation rate | 76.3% | 67.9%+8.3pp | 75.0%+1.2pp | 68.1%+8.2pp |
| Annual return | 10.95% | 30.86%-19.9pp | 180.65%-169.7pp | 41.64%-30.7pp |
| Employer contribution / active EE | $2,912 | $3,048-4.4% | $3,689-21.0% | $2,551+14.2% |
| Participant deferral / active EE | $4,297 | $4,036+6.5% | $5,072-15.3% | $4,139+3.8% |
| Admin fee / account holder | $4,146 | $7,146-42.0% | $8,859-53.2% | $7,234-42.7% |