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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 | $79,172 | $48,053+64.8% | $84,637-6.5% | $72,976+8.5% |
| Participation rate | 95.0% | 57.6%+37.4pp | 68.2%+26.8pp | 69.5%+25.5pp |
| Annual return | 15.17% | 37.39%-22.2pp | 258.82%-243.7pp | 81.02%-65.8pp |
| Employer contribution / active EE | $1,602 | $1,6020% | $2,653-39.6% | $2,440-34.4% |
| Participant deferral / active EE | $2,483 | $2,681-7.4% | $3,900-36.3% | $3,608-31.2% |
| Admin fee / account holder | $2,503 | $3,395-26.3% | $4,914-49.1% | $5,124-51.1% |