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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 | $42,254 | $48,277-12.5% | $67,511-37.4% | $80,874-47.8% |
| Participation rate | 84.0% | 66.4%+17.6pp | 72.9%+11.1pp | 67.6%+16.3pp |
| Annual return | 10.39% | 18.27%-7.9pp | 3517.41%-3507.0pp | 35.62%-25.2pp |
| Employer contribution / active EE | $2,240 | $2,021+10.8% | $2,733-18.0% | $2,756-18.7% |
| Participant deferral / active EE | $1,703 | $2,926-41.8% | $4,000-57.4% | $4,297-60.4% |
| Admin fee / account holder | $5,790 | $3,687+57.0% | $3,999+44.8% | $6,935-16.5% |