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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 | $179,517 | $71,215+152.1% | $93,696+91.6% | $80,935+121.8% |
| Participation rate | 85.7% | 60.4%+25.3pp | 68.7%+17.0pp | 67.7%+18.1pp |
| Annual return | 4.57% | 11.27%-6.7pp | 133.74%-129.2pp | 35.66%-31.1pp |
| Employer contribution / active EE | $9,710 | $1,565+520.4% | $2,422+300.9% | $2,757+252.2% |
| Participant deferral / active EE | $5,901 | $4,037+46.2% | $4,417+33.6% | $4,299+37.3% |
| Admin fee / account holder | $2,138 | $6,958-69.3% | $8,287-74.2% | $6,924-69.1% |