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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 | $115,589 | $85,766+34.8% | $136,298-15.2% | $70,126+64.8% |
| Participation rate | 70.0% | 74.2%-4.2pp | 81.9%-11.9pp | 69.5%+0.5pp |
| Annual return | 14.05% | 31.46%-17.4pp | 5156.27%-5142.2pp | 73.15%-59.1pp |
| Employer contribution / active EE | $1,250 | $2,966-57.9% | $4,696-73.4% | $2,343-46.6% |
| Participant deferral / active EE | $3,838 | $5,051-24.0% | $6,247-38.6% | $3,332+15.2% |
| Admin fee / account holder | $8,039 | $5,421+48.3% | $9,244-13.0% | $4,645+73.0% |