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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 | $144,480 | $77,523+86.4% | $100,383+43.9% | $80,874+78.6% |
| Participation rate | 86.2% | 77.0%+9.3pp | 81.5%+4.7pp | 67.6%+18.6pp |
| Annual return | 11.16% | 37.21%-26.0pp | 49.26%-38.1pp | 35.62%-24.5pp |
| Employer contribution / active EE | $8,553 | $2,801+205.3% | $3,944+116.9% | $2,756+210.4% |
| Participant deferral / active EE | $8,477 | $6,822+24.3% | $8,086+4.8% | $4,297+97.3% |
| Admin fee / account holder | $17,783 | $5,899+201.5% | $7,900+125.1% | $6,935+156.4% |