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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 | $142,341 | $70,366+102.3% | $66,674+113.5% | $138,895+2.5% |
| Participation rate | 77.8% | 76.2%+1.6pp | 73.7%+4.1pp | 79.9%-2.1pp |
| Annual return | 11.74% | 386.41%-374.7pp | 321.24%-309.5pp | 145.39%-133.7pp |
| Employer contribution / active EE | $1,807 | $2,765-34.6% | $2,620-31.0% | $4,194-56.9% |
| Participant deferral / active EE | $6,919 | $4,374+58.2% | $4,084+69.4% | $6,396+8.2% |
| Admin fee / account holder | $938 | $5,262-82.2% | $5,098-81.6% | $12,562-92.5% |