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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 | $81,233-38.2% | $155,567-67.7% | $80,874-37.9% |
| Participation rate | 84.6% | 66.2%+18.4pp | 78.2%+6.4pp | 67.6%+17.0pp |
| Annual return | 9.03% | 33.33%-24.3pp | 64.74%-55.7pp | 35.62%-26.6pp |
| Employer contribution / active EE | $4,242 | $3,101+36.8% | $4,674-9.3% | $2,756+53.9% |
| Participant deferral / active EE | $5,913 | $3,452+71.3% | $5,628+5.1% | $4,297+37.6% |
| Admin fee / account holder | $62,332 | $7,998+679.4% | $15,916+291.6% | $6,935+798.8% |