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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 | $87,547 | $49,897+75.5% | $80,648+8.6% | $75,177+16.5% |
| Participation rate | 94.4% | 55.3%+39.1pp | 67.0%+27.4pp | 67.2%+27.2pp |
| Annual return | 10.78% | 34.68%-23.9pp | 937.21%-926.4pp | 160.75%-150.0pp |
| Employer contribution / active EE | $1,456 | $1,699-14.3% | $2,724-46.5% | $2,671-45.5% |
| Participant deferral / active EE | $2,311 | $2,992-22.8% | $4,443-48.0% | $4,126-44.0% |
| Admin fee / account holder | $4,416 | $3,579+23.4% | $5,382-17.9% | $5,651-21.9% |