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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 | $21,587 | $22,602-4.5% | $65,583-67.1% | $75,177-71.3% |
| Participation rate | 91.5% | 63.1%+28.4pp | 65.0%+26.5pp | 67.2%+24.3pp |
| Annual return | 11.63% | 71.13%-59.5pp | 47.46%-35.8pp | 160.75%-149.1pp |
| Employer contribution / active EE | $5,321 | $941+465.5% | $1,692+214.4% | $2,671+99.2% |
| Participant deferral / active EE | $1,419 | $1,695-16.3% | $2,833-49.9% | $4,126-65.6% |
| Admin fee / account holder | $1,271 | $1,877-32.3% | $4,112-69.1% | $5,651-77.5% |