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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 | $57,726 | $137,414-58.0% | $189,545-69.5% | $85,851-32.8% |
| Participation rate | 88.0% | 84.6%+3.4pp | 87.8%+0.2pp | 69.3%+18.7pp |
| Annual return | 8.31% | 38.14%-29.8pp | 555.36%-547.1pp | 318.63%-310.3pp |
| Employer contribution / active EE | $4,959 | $4,344+14.2% | $6,162-19.5% | $2,565+93.3% |
| Participant deferral / active EE | $5,169 | $6,260-17.4% | $8,220-37.1% | $3,952+30.8% |
| Admin fee / account holder | $4,210 | $8,630-51.2% | $12,049-65.1% | $6,261-32.8% |