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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 | $69,944 | $111,830-37.5% | $93,696-25.4% | $145,884-52.1% |
| Participation rate | 80.0% | 74.2%+5.8pp | 68.7%+11.3pp | 80.3%-0.3pp |
| Annual return | 7.64% | 204.08%-196.4pp | 133.74%-126.1pp | 551.85%-544.2pp |
| Employer contribution / active EE | $1,467 | $3,093-52.6% | $2,422-39.4% | $4,662-68.5% |
| Participant deferral / active EE | $10,987 | $4,920+123.3% | $4,417+148.8% | $6,690+64.2% |
| Admin fee / account holder | $4,068 | $10,249-60.3% | $8,287-50.9% | $13,392-69.6% |