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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 | $57,898 | $98,776-41.4% | $149,745-61.3% | $79,856-27.5% |
| Participation rate | 72.7% | 75.8%-3.1pp | 82.5%-9.8pp | 69.6%+3.1pp |
| Annual return | 6.73% | 27.38%-20.6pp | 276.72%-270.0pp | 31.71%-25.0pp |
| Employer contribution / active EE | $2,300 | $3,217-28.5% | $4,646-50.5% | $2,471-6.9% |
| Participant deferral / active EE | $3,745 | $5,681-34.1% | $6,843-45.3% | $3,741+0.1% |
| Admin fee / account holder | $11,706 | $6,053+93.4% | $9,312+25.7% | $5,306+120.6% |