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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 | $78,984 | $89,259-11.5% | $107,187-26.3% | $82,637-4.4% |
| Participation rate | 79.1% | 67.9%+11.1pp | 75.0%+4.0pp | 68.1%+11.0pp |
| Annual return | 11.97% | 21.02%-9.1pp | 204.55%-192.6pp | 53.51%-41.5pp |
| Employer contribution / active EE | $2,220 | $3,080-27.9% | $3,782-41.3% | $2,552-13.0% |
| Participant deferral / active EE | $5,023 | $4,037+24.4% | $5,096-1.4% | $4,126+21.7% |
| Admin fee / account holder | $1,699 | $7,381-77.0% | $9,162-81.5% | $7,339-76.9% |