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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 | $77,785 | $68,681+13.3% | $86,615-10.2% | $85,847-9.4% |
| Participation rate | 84.4% | 66.4%+18.0pp | 71.6%+12.7pp | 69.3%+15.1pp |
| Annual return | 10.32% | 20.12%-9.8pp | 63.51%-53.2pp | 318.61%-308.3pp |
| Employer contribution / active EE | $3,349 | $1,880+78.1% | $2,496+34.2% | $2,565+30.5% |
| Participant deferral / active EE | $2,515 | $2,919-13.8% | $3,699-32.0% | $3,952-36.4% |
| Admin fee / account holder | $17,368 | $5,974+190.7% | $5,830+197.9% | $6,261+177.4% |