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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 | $48,730 | $88,672-45.0% | $105,223-53.7% | $82,448-40.9% |
| Participation rate | 90.9% | 67.9%+23.0pp | 75.0%+15.9pp | 68.1%+22.8pp |
| Annual return | 8.59% | 30.86%-22.3pp | 180.65%-172.1pp | 41.64%-33.1pp |
| Employer contribution / active EE | $5,350 | $3,048+75.5% | $3,689+45.1% | $2,551+109.7% |
| Participant deferral / active EE | $4,762 | $4,036+18.0% | $5,072-6.1% | $4,139+15.0% |
| Admin fee / account holder | $5,915 | $7,146-17.2% | $8,859-33.2% | $7,234-18.2% |