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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 | $134,527 | $91,198+47.5% | $178,503-24.6% | $79,856+68.5% |
| Participation rate | 96.3% | 69.2%+27.1pp | 81.9%+14.4pp | 69.6%+26.7pp |
| Annual return | 9.77% | 24.20%-14.4pp | 151.12%-141.4pp | 31.71%-21.9pp |
| Employer contribution / active EE | $947 | $3,257-70.9% | $5,011-81.1% | $2,471-61.7% |
| Participant deferral / active EE | $5,430 | $3,237+67.8% | $5,202+4.4% | $3,741+45.2% |
| Admin fee / account holder | $12,797 | $6,748+89.6% | $13,987-8.5% | $5,306+141.2% |