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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 | $100,970+122.2% | $96,576+132.3% | $137,256+63.5% |
| Participation rate | 90.5% | 82.6%+7.9pp | 81.4%+9.0pp | 80.0%+10.5pp |
| Annual return | 11.33% | 38.16%-26.8pp | 38.47%-27.1pp | 220.34%-209.0pp |
| Employer contribution / active EE | $2,138 | $3,809-43.9% | $3,553-39.8% | $4,156-48.5% |
| Participant deferral / active EE | $7,289 | $8,286-12.0% | $7,956-8.4% | $6,407+13.8% |
| Admin fee / account holder | $39,812 | $11,312+252.0% | $11,381+249.8% | $12,270+224.5% |