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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 | $85,976 | $91,179-5.7% | $178,499-51.8% | $79,852+7.7% |
| Participation rate | 75.0% | 69.2%+5.8pp | 81.9%-6.9pp | 69.6%+5.4pp |
| Annual return | 7.37% | 24.19%-16.8pp | 151.10%-143.7pp | 31.72%-24.3pp |
| Employer contribution / active EE | $1,551 | $3,256-52.4% | $5,011-69.1% | $2,471-37.2% |
| Participant deferral / active EE | $2,955 | $3,236-8.7% | $5,202-43.2% | $3,740-21.0% |
| Admin fee / account holder | $10,027 | $6,749+48.6% | $13,986-28.3% | $5,306+89.0% |