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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 | $61,879 | $91,198-32.1% | $178,503-65.3% | $79,856-22.5% |
| Participation rate | 71.4% | 69.2%+2.2pp | 81.9%-10.5pp | 69.6%+1.8pp |
| Annual return | 7.17% | 24.20%-17.0pp | 151.12%-143.9pp | 31.71%-24.5pp |
| Employer contribution / active EE | $994 | $3,257-69.5% | $5,011-80.2% | $2,471-59.8% |
| Participant deferral / active EE | $3,453 | $3,237+6.7% | $5,202-33.6% | $3,741-7.7% |
| Admin fee / account holder | $5,411 | $6,748-19.8% | $13,987-61.3% | $5,306+2.0% |