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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 | $155,975 | $57,073+173.3% | $85,126+83.2% | $80,925+92.7% |
| Participation rate | 86.5% | 56.4%+30.1pp | 67.5%+19.0pp | 67.7%+18.8pp |
| Annual return | 7.81% | 21.69%-13.9pp | 66.63%-58.8pp | 35.65%-27.8pp |
| Employer contribution / active EE | $17,344 | $1,801+863.2% | $2,731+535.0% | $2,756+529.3% |
| Participant deferral / active EE | $19,730 | $3,113+533.8% | $4,523+336.2% | $4,299+359.0% |
| Admin fee / account holder | $10,753 | $4,988+115.6% | $6,160+74.6% | $6,940+54.9% |