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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 | $81,358-38.3% | $155,556-67.7% | $80,959-38.0% |
| Participation rate | 84.6% | 66.3%+18.4pp | 78.2%+6.4pp | 67.7%+16.9pp |
| Annual return | 9.03% | 33.39%-24.4pp | 64.84%-55.8pp | 35.67%-26.6pp |
| Employer contribution / active EE | $4,242 | $3,106+36.5% | $4,675-9.3% | $2,757+53.8% |
| Participant deferral / active EE | $5,913 | $3,455+71.1% | $5,631+5.0% | $4,300+37.5% |
| Admin fee / account holder | $62,332 | $7,994+679.8% | $15,885+292.4% | $6,925+800.1% |