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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 | $86,374 | $52,279+65.2% | $89,435-3.4% | $79,856+8.2% |
| Participation rate | 94.9% | 57.5%+37.3pp | 68.0%+26.9pp | 69.6%+25.2pp |
| Annual return | 9.83% | 22.16%-12.3pp | 245.55%-235.7pp | 31.71%-21.9pp |
| Employer contribution / active EE | $1,488 | $1,572-5.3% | $2,587-42.5% | $2,471-39.8% |
| Participant deferral / active EE | $2,015 | $2,740-26.5% | $3,890-48.2% | $3,741-46.1% |
| Admin fee / account holder | $10,823 | $3,356+222.4% | $4,884+121.6% | $5,306+104.0% |