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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 | $112,434 | $63,354+77.5% | $94,105+19.5% | $82,637+36.1% |
| Participation rate | 85.2% | 63.8%+21.4pp | 71.9%+13.2pp | 68.1%+17.1pp |
| Annual return | 12.27% | 34.36%-22.1pp | 204.55%-192.3pp | 53.51%-41.2pp |
| Employer contribution / active EE | $3,191 | $1,760+81.4% | $2,504+27.4% | $2,552+25.0% |
| Participant deferral / active EE | $7,241 | $2,873+152.0% | $3,881+86.6% | $4,126+75.5% |
| Admin fee / account holder | $24,117 | $5,073+375.4% | $6,199+289.0% | $7,339+228.6% |