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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 | $123,408 | $102,422+20.5% | $147,117-16.1% | $80,959+52.4% |
| Participation rate | 92.3% | 75.9%+16.4pp | 82.2%+10.1pp | 67.7%+24.6pp |
| Annual return | 11.78% | 135.16%-123.4pp | 420.54%-408.8pp | 35.67%-23.9pp |
| Employer contribution / active EE | $1,402 | $3,717-62.3% | $4,932-71.6% | $2,757-49.2% |
| Participant deferral / active EE | $7,693 | $6,652+15.6% | $8,065-4.6% | $4,300+78.9% |
| Admin fee / account holder | $3,581 | $7,953-55.0% | $12,993-72.4% | $6,925-48.3% |