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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 | $240,791 | $111,878+115.2% | $93,727+156.9% | $145,897+65.0% |
| Participation rate | 90.0% | 74.2%+15.8pp | 68.7%+21.3pp | 80.3%+9.7pp |
| Annual return | 4.98% | 204.28%-199.3pp | 133.83%-128.8pp | 552.29%-547.3pp |
| Employer contribution / active EE | $2,236 | $3,092-27.7% | $2,421-7.6% | $4,663-52.0% |
| Participant deferral / active EE | $3,282 | $4,920-33.3% | $4,417-25.7% | $6,689-50.9% |
| Admin fee / account holder | $14,412 | $10,256+40.5% | $8,292+73.8% | $13,390+7.6% |