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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 | $129,030 | $73,787+74.9% | $98,716+30.7% | $82,448+56.5% |
| Participation rate | 78.9% | 61.4%+17.5pp | 69.3%+9.7pp | 68.1%+10.9pp |
| Annual return | 11.05% | 18.57%-7.5pp | 31.81%-20.8pp | 41.64%-30.6pp |
| Employer contribution / active EE | $355 | $1,511-76.5% | $2,279-84.4% | $2,551-86.1% |
| Participant deferral / active EE | $4,201 | $3,081+36.3% | $4,048+3.8% | $4,139+1.5% |
| Admin fee / account holder | $8,500 | $6,500+30.8% | $8,703-2.3% | $7,234+17.5% |