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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 | $127,593 | $97,125+31.4% | $86,233+48.0% | $137,256-7.0% |
| Participation rate | 75.0% | 74.2%+0.8pp | 69.0%+6.0pp | 80.0%-5.0pp |
| Annual return | 9.56% | 74.19%-64.6pp | 61.39%-51.8pp | 220.34%-210.8pp |
| Employer contribution / active EE | $1,412 | $2,841-50.3% | $2,504-43.6% | $4,156-66.0% |
| Participant deferral / active EE | $5,312 | $5,180+2.5% | $4,559+16.5% | $6,407-17.1% |
| Admin fee / account holder | $2,908 | $9,725-70.1% | $8,342-65.1% | $12,270-76.3% |