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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 | $44,945 | $57,541-21.9% | $95,740-53.1% | $75,173-40.2% |
| Participation rate | 96.8% | 62.5%+34.3pp | 72.3%+24.5pp | 67.2%+29.6pp |
| Annual return | 12.84% | 34.93%-22.1pp | 28.41%-15.6pp | 160.72%-147.9pp |
| Employer contribution / active EE | $12,111 | $1,808+570.0% | $2,836+327.0% | $2,671+353.4% |
| Participant deferral / active EE | $4,369 | $3,074+42.1% | $4,244+3.0% | $4,126+5.9% |
| Admin fee / account holder | $649 | $4,099-84.2% | $5,676-88.6% | $5,651-88.5% |