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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 | $224,380 | $107,666+108.4% | $102,184+119.6% | $154,746+45.0% |
| Participation rate | 90.5% | 83.7%+6.8pp | 82.6%+7.9pp | 80.7%+9.8pp |
| Annual return | 11.33% | 29.33%-18.0pp | 31.58%-20.3pp | 172.34%-161.0pp |
| Employer contribution / active EE | $2,138 | $3,846-44.4% | $3,594-40.5% | $4,379-51.2% |
| Participant deferral / active EE | $7,289 | $8,719-16.4% | $8,309-12.3% | $6,730+8.3% |
| Admin fee / account holder | $39,812 | $12,943+207.6% | $11,609+243.0% | $14,365+177.1% |