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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 | $104,086 | $71,197+46.2% | $93,669+11.1% | $80,925+28.6% |
| Participation rate | 93.9% | 60.4%+33.5pp | 68.7%+25.2pp | 67.7%+26.3pp |
| Annual return | 7.97% | 11.27%-3.3pp | 133.59%-125.6pp | 35.65%-27.7pp |
| Employer contribution / active EE | $7,464 | $1,565+377.0% | $2,424+208.0% | $2,756+170.8% |
| Participant deferral / active EE | $5,198 | $4,036+28.8% | $4,416+17.7% | $4,299+20.9% |
| Admin fee / account holder | $4,528 | $6,959-34.9% | $8,291-45.4% | $6,940-34.8% |