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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 | $66,093 | $101,795-35.1% | $165,100-60.0% | $80,959-18.4% |
| Participation rate | 98.1% | 71.8%+26.3pp | 78.6%+19.5pp | 67.7%+30.5pp |
| Annual return | 9.36% | 16.73%-7.4pp | 70.21%-60.8pp | 35.67%-26.3pp |
| Employer contribution / active EE | $9,627 | $2,954+225.9% | $4,348+121.4% | $2,757+249.1% |
| Participant deferral / active EE | $4,864 | $4,476+8.7% | $6,035-19.4% | $4,300+13.1% |
| Admin fee / account holder | $2,444 | $8,221-70.3% | $12,696-80.7% | $6,925-64.7% |