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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 | $98,960 | $98,776+0.2% | $149,745-33.9% | $79,856+23.9% |
| Participation rate | 78.6% | 75.8%+2.8pp | 82.5%-3.9pp | 69.6%+8.9pp |
| Annual return | 8.21% | 27.38%-19.2pp | 276.72%-268.5pp | 31.71%-23.5pp |
| Employer contribution / active EE | $6,202 | $3,217+92.8% | $4,646+33.5% | $2,471+151.0% |
| Participant deferral / active EE | $2,604 | $5,681-54.2% | $6,843-61.9% | $3,741-30.4% |
| Admin fee / account holder | $8,291 | $6,053+37.0% | $9,312-11.0% | $5,306+56.2% |