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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 | $134,215 | $57,590+133.1% | $86,233+55.6% | $82,448+62.8% |
| Participation rate | 72.0% | 57.9%+14.1pp | 69.0%+3.0pp | 68.1%+3.9pp |
| Annual return | 7.79% | 22.41%-14.6pp | 61.39%-53.6pp | 41.64%-33.9pp |
| Employer contribution / active EE | $2,643 | $1,655+59.6% | $2,504+5.5% | $2,551+3.6% |
| Participant deferral / active EE | $4,534 | $3,080+47.2% | $4,559-0.6% | $4,139+9.5% |
| Admin fee / account holder | $22,021 | $4,730+365.5% | $8,342+164.0% | $7,234+204.4% |