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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 | $72,376 | $85,766-15.6% | $136,298-46.9% | $70,126+3.2% |
| Participation rate | 96.2% | 74.2%+22.0pp | 81.9%+14.2pp | 69.5%+26.6pp |
| Annual return | 12.24% | 31.46%-19.2pp | 5156.27%-5144.0pp | 73.15%-60.9pp |
| Employer contribution / active EE | $2,603 | $2,966-12.3% | $4,696-44.6% | $2,343+11.1% |
| Participant deferral / active EE | $6,135 | $5,051+21.5% | $6,247-1.8% | $3,332+84.1% |
| Admin fee / account holder | $4,734 | $5,421-12.7% | $9,244-48.8% | $4,645+1.9% |