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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 | $243,224 | $88,672+174.3% | $105,223+131.1% | $82,448+195.0% |
| Participation rate | 74.1% | 67.9%+6.1pp | 75.0%-1.0pp | 68.1%+6.0pp |
| Annual return | 11.37% | 30.86%-19.5pp | 180.65%-169.3pp | 41.64%-30.3pp |
| Employer contribution / active EE | $6,657 | $3,048+118.4% | $3,689+80.5% | $2,551+161.0% |
| Participant deferral / active EE | $3,747 | $4,036-7.2% | $5,072-26.1% | $4,139-9.5% |
| Admin fee / account holder | $8,401 | $7,146+17.6% | $8,859-5.2% | $7,234+16.1% |