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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 | $201,551 | $81,276+148.0% | $155,574+29.6% | $80,925+149.1% |
| Participation rate | 100.0% | 66.2%+33.8pp | 78.2%+21.8pp | 67.7%+32.3pp |
| Annual return | 10.35% | 33.36%-23.0pp | 64.87%-54.5pp | 35.65%-25.3pp |
| Employer contribution / active EE | $7,566 | $3,103+143.8% | $4,676+61.8% | $2,756+174.5% |
| Participant deferral / active EE | $5,565 | $3,453+61.2% | $5,629-1.1% | $4,299+29.5% |
| Admin fee / account holder | $9,519 | $7,993+19.1% | $15,914-40.2% | $6,940+37.2% |