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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 | $100,280 | $63,354+58.3% | $94,105+6.6% | $82,637+21.3% |
| Participation rate | 94.6% | 63.8%+30.8pp | 71.9%+22.7pp | 68.1%+26.6pp |
| Annual return | 12.21% | 34.36%-22.1pp | 204.55%-192.3pp | 53.51%-41.3pp |
| Employer contribution / active EE | $559 | $1,760-68.2% | $2,504-77.7% | $2,552-78.1% |
| Participant deferral / active EE | $3,836 | $2,873+33.5% | $3,881-1.1% | $4,126-7.0% |
| Admin fee / account holder | $14,583 | $5,073+187.5% | $6,199+135.2% | $7,339+98.7% |