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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 | $183,486 | $62,592+193.1% | $85,693+114.1% | $85,856+113.7% |
| Participation rate | 88.0% | 61.1%+26.9pp | 69.9%+18.1pp | 69.3%+18.7pp |
| Annual return | 10.85% | 23.77%-12.9pp | 21.49%-10.6pp | 318.58%-307.7pp |
| Employer contribution / active EE | $7,554 | $1,755+330.3% | $2,618+188.5% | $2,565+194.5% |
| Participant deferral / active EE | $6,220 | $2,802+121.9% | $3,923+58.6% | $3,952+57.4% |
| Admin fee / account holder | $584 | $4,643-87.4% | $6,874-91.5% | $6,261-90.7% |