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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 | $118,643 | $77,908+52.3% | $149,696-20.7% | $75,173+57.8% |
| Participation rate | 72.0% | 65.6%+6.4pp | 78.8%-6.8pp | 67.2%+4.8pp |
| Annual return | 9.31% | 31.73%-22.4pp | 134.46%-125.1pp | 160.72%-151.4pp |
| Employer contribution / active EE | $3,066 | $3,138-2.3% | $4,821-36.4% | $2,671+14.8% |
| Participant deferral / active EE | $8,150 | $3,411+138.9% | $5,682+43.4% | $4,126+97.5% |
| Admin fee / account holder | $17,776 | $5,950+198.8% | $13,212+34.5% | $5,651+214.6% |