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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 | $144,855 | $68,878+110.3% | $120,574+20.1% | $80,935+79.0% |
| Participation rate | 85.7% | 61.7%+24.0pp | 71.9%+13.8pp | 67.7%+18.1pp |
| Annual return | 9.18% | 23.67%-14.5pp | 107.42%-98.2pp | 35.66%-26.5pp |
| Employer contribution / active EE | $9,664 | $2,065+368.0% | $3,471+178.5% | $2,757+250.6% |
| Participant deferral / active EE | $4,599 | $3,189+44.2% | $4,996-7.9% | $4,299+7.0% |
| Admin fee / account holder | $793 | $5,782-86.3% | $9,445-91.6% | $6,924-88.5% |