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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 | $83,495 | $51,638+61.7% | $129,406-35.5% | $80,959+3.1% |
| Participation rate | 80.0% | 56.9%+23.1pp | 69.6%+10.4pp | 67.7%+12.3pp |
| Annual return | 11.01% | 20.78%-9.8pp | 9468.18%-9457.2pp | 35.67%-24.7pp |
| Employer contribution / active EE | $3,485 | $1,584+120.1% | $4,155-16.1% | $2,757+26.4% |
| Participant deferral / active EE | $3,758 | $2,670+40.8% | $4,167-9.8% | $4,300-12.6% |
| Admin fee / account holder | $707 | $4,313-83.6% | $7,689-90.8% | $6,925-89.8% |