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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 | $89,259-33.7% | $107,187-44.8% | $82,637-28.4% |
| Participation rate | 76.3% | 67.9%+8.3pp | 75.0%+1.3pp | 68.1%+8.2pp |
| Annual return | 10.95% | 21.02%-10.1pp | 204.55%-193.6pp | 53.51%-42.6pp |
| Employer contribution / active EE | $2,912 | $3,080-5.4% | $3,782-23.0% | $2,552+14.1% |
| Participant deferral / active EE | $4,297 | $4,037+6.4% | $5,096-15.7% | $4,126+4.1% |
| Admin fee / account holder | $4,146 | $7,381-43.8% | $9,162-54.7% | $7,339-43.5% |