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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 | $50,210 | $81,276-38.2% | $155,574-67.7% | $80,925-38.0% |
| Participation rate | 84.6% | 66.2%+18.4pp | 78.2%+6.4pp | 67.7%+17.0pp |
| Annual return | 9.03% | 33.36%-24.3pp | 64.87%-55.8pp | 35.65%-26.6pp |
| Employer contribution / active EE | $4,242 | $3,103+36.7% | $4,676-9.3% | $2,756+53.9% |
| Participant deferral / active EE | $5,913 | $3,453+71.3% | $5,629+5.0% | $4,299+37.6% |
| Admin fee / account holder | $62,332 | $7,993+679.8% | $15,914+291.7% | $6,940+798.1% |