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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 | $84,442 | $81,358+3.8% | $155,556-45.7% | $80,959+4.3% |
| Participation rate | 85.2% | 66.3%+18.9pp | 78.2%+7.0pp | 67.7%+17.5pp |
| Annual return | 9.11% | 33.39%-24.3pp | 64.84%-55.7pp | 35.67%-26.6pp |
| Employer contribution / active EE | $7,861 | $3,106+153.1% | $4,675+68.1% | $2,757+185.1% |
| Participant deferral / active EE | $7,302 | $3,455+111.3% | $5,631+29.7% | $4,300+69.8% |
| Admin fee / account holder | $778 | $7,994-90.3% | $15,885-95.1% | $6,925-88.8% |