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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 | $32,064 | $95,406-66.4% | $185,849-82.7% | $85,847-62.6% |
| Participation rate | 71.4% | 68.8%+2.7pp | 81.7%-10.3pp | 69.3%+2.1pp |
| Annual return | 9.23% | 23.59%-14.4pp | 122.10%-112.9pp | 318.61%-309.4pp |
| Employer contribution / active EE | $2,202 | $3,314-33.6% | $5,169-57.4% | $2,565-14.2% |
| Participant deferral / active EE | $6,771 | $3,424+97.8% | $5,569+21.6% | $3,952+71.3% |
| Admin fee / account holder | $5,161 | $7,214-28.5% | $16,244-68.2% | $6,261-17.6% |