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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 | $64,192 | $63,861+0.5% | $104,639-38.7% | $79,856-19.6% |
| Participation rate | 92.0% | 64.9%+27.1pp | 74.1%+17.9pp | 69.6%+22.4pp |
| Annual return | 4.86% | 21.30%-16.4pp | 340.67%-335.8pp | 31.71%-26.8pp |
| Employer contribution / active EE | $12,000 | $1,588+655.5% | $2,682+347.5% | $2,471+385.6% |
| Participant deferral / active EE | $4,435 | $2,693+64.7% | $3,738+18.7% | $3,741+18.6% |
| Admin fee / account holder | $4,703 | $4,185+12.4% | $6,465-27.3% | $5,306-11.4% |