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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 | $54,595 | $53,128+2.8% | $86,581-36.9% | $70,124-22.1% |
| Participation rate | 88.9% | 65.3%+23.6pp | 73.5%+15.3pp | 69.5%+19.3pp |
| Annual return | 11.04% | 27.66%-16.6pp | 965.06%-954.0pp | 73.14%-62.1pp |
| Employer contribution / active EE | $4,035 | $2,068+95.1% | $2,840+42.1% | $2,342+72.2% |
| Participant deferral / active EE | $3,784 | $2,695+40.4% | $3,609+4.9% | $3,332+13.6% |
| Admin fee / account holder | $11,191 | $3,584+212.3% | $4,904+128.2% | $4,645+140.9% |