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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 | $34,371 | $95,415-64.0% | $185,851-81.5% | $85,851-60.0% |
| Participation rate | 89.3% | 68.8%+20.5pp | 81.7%+7.6pp | 69.3%+20.0pp |
| Annual return | 9.89% | 23.59%-13.7pp | 122.11%-112.2pp | 318.63%-308.7pp |
| Employer contribution / active EE | $4,936 | $3,314+49.0% | $5,168-4.5% | $2,565+92.4% |
| Participant deferral / active EE | $3,333 | $3,424-2.6% | $5,569-40.1% | $3,952-15.7% |
| Admin fee / account holder | $21,277 | $7,215+194.9% | $16,245+31.0% | $6,261+239.8% |