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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 | $203,546 | $81,276+150.4% | $155,574+30.8% | $80,925+151.5% |
| Participation rate | 74.1% | 66.2%+7.8pp | 78.2%-4.1pp | 67.7%+6.4pp |
| Annual return | 9.75% | 33.36%-23.6pp | 64.87%-55.1pp | 35.65%-25.9pp |
| Employer contribution / active EE | $1,246 | $3,103-59.8% | $4,676-73.3% | $2,756-54.8% |
| Participant deferral / active EE | $6,281 | $3,453+81.9% | $5,629+11.6% | $4,299+46.1% |
| Admin fee / account holder | $4,654 | $7,993-41.8% | $15,914-70.8% | $6,940-32.9% |