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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 | $117,831 | $81,358+44.8% | $155,556-24.3% | $80,959+45.5% |
| Participation rate | 85.0% | 66.3%+18.7pp | 78.2%+6.8pp | 67.7%+17.3pp |
| Annual return | 9.30% | 33.39%-24.1pp | 64.84%-55.5pp | 35.67%-26.4pp |
| Employer contribution / active EE | $7,126 | $3,106+129.4% | $4,675+52.4% | $2,757+158.5% |
| Participant deferral / active EE | $3,907 | $3,455+13.1% | $5,631-30.6% | $4,300-9.1% |
| Admin fee / account holder | $46,346 | $7,994+479.8% | $15,885+191.8% | $6,925+569.2% |