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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 | $71,121 | $54,757+29.9% | $90,300-21.2% | $72,983-2.6% |
| Participation rate | 73.1% | 65.1%+7.9pp | 73.3%-0.2pp | 69.5%+3.6pp |
| Annual return | 16.28% | 30.63%-14.4pp | 78.11%-61.8pp | 81.01%-64.7pp |
| Employer contribution / active EE | $0 | $2,092-100.0% | $2,854-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $4,782 | $2,887+65.7% | $3,884+23.1% | $3,608+32.6% |
| Admin fee / account holder | $92,285 | $3,972+2223.5% | $5,353+1624.0% | $5,124+1701.0% |