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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 | $146,160 | $51,606+183.2% | $129,339+13.0% | $80,911+80.6% |
| Participation rate | 76.9% | 57.0%+20.0pp | 69.6%+7.3pp | 67.6%+9.3pp |
| Annual return | 7.30% | 20.76%-13.5pp | 9437.05%-9429.8pp | 35.63%-28.3pp |
| Employer contribution / active EE | $5,778 | $1,582+265.2% | $4,154+39.1% | $2,756+109.7% |
| Participant deferral / active EE | $10,040 | $2,669+276.2% | $4,170+140.8% | $4,297+133.7% |
| Admin fee / account holder | $1,797 | $4,310-58.3% | $7,668-76.6% | $6,935-74.1% |