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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 | $132,676 | $99,345+33.5% | $84,753+56.5% | $273,972-51.6% |
| Participation rate | 95.0% | 80.7%+14.3pp | 76.6%+18.4pp | 83.0%+12.0pp |
| Annual return | -1.09% | 22.93%-24.0pp | 22.78%-23.9pp | 41.46%-42.5pp |
| Employer contribution / active EE | $10,041 | $4,214+138.3% | $3,574+180.9% | $4,869+106.2% |
| Participant deferral / active EE | $7,736 | $4,270+81.2% | $3,712+108.4% | $5,287+46.3% |
| Admin fee / account holder | $23,904 | $6,645+259.7% | $5,333+348.2% | $10,133+135.9% |