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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 | $158,930 | $86,298+84.2% | $111,308+42.8% | $85,847+85.1% |
| Participation rate | 94.6% | 73.3%+21.3pp | 77.3%+17.3pp | 69.3%+25.3pp |
| Annual return | 8.70% | 19.99%-11.3pp | 54.67%-46.0pp | 318.61%-309.9pp |
| Employer contribution / active EE | $0 | $2,044-100.0% | $2,732-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $3,634 | $3,641-0.2% | $4,487-19.0% | $3,952-8.1% |
| Admin fee / account holder | $883 | $8,189-89.2% | $7,965-88.9% | $6,261-85.9% |