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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 | $140,858 | $73,978+90.4% | $96,515+45.9% | $75,173+87.4% |
| Participation rate | 77.1% | 66.4%+10.7pp | 74.3%+2.8pp | 67.2%+9.9pp |
| Annual return | 12.16% | 26.72%-14.6pp | 35.73%-23.6pp | 160.72%-148.6pp |
| Employer contribution / active EE | $2,013 | $2,931-31.3% | $3,740-46.2% | $2,671-24.6% |
| Participant deferral / active EE | $4,602 | $3,660+25.7% | $4,880-5.7% | $4,126+11.5% |
| Admin fee / account holder | $10,024 | $5,219+92.1% | $6,735+48.8% | $5,651+77.4% |