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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 | $102,639 | $98,776+3.9% | $149,745-31.5% | $79,856+28.5% |
| Participation rate | 84.4% | 75.8%+8.6pp | 82.5%+1.9pp | 69.6%+14.7pp |
| Annual return | 11.95% | 27.38%-15.4pp | 276.72%-264.8pp | 31.71%-19.8pp |
| Employer contribution / active EE | $2,538 | $3,217-21.1% | $4,646-45.4% | $2,471+2.7% |
| Participant deferral / active EE | $5,483 | $5,681-3.5% | $6,843-19.9% | $3,741+46.6% |
| Admin fee / account holder | $37,692 | $6,053+522.7% | $9,312+304.8% | $5,306+610.3% |