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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 | $105,284-53.7% | $150,734-67.7% | $94,015-48.2% |
| Participation rate | 90.9% | 71.7%+19.2pp | 78.4%+12.5pp | 70.8%+20.1pp |
| Annual return | 8.59% | 15.67%-7.1pp | 600.81%-592.2pp | 17.84%-9.3pp |
| Employer contribution / active EE | $5,350 | $3,599+48.7% | $4,918+8.8% | $2,790+91.8% |
| Participant deferral / active EE | $4,762 | $4,274+11.4% | $5,610-15.1% | $4,249+12.1% |
| Admin fee / account holder | $5,915 | $9,839-39.9% | $14,905-60.3% | $8,951-33.9% |