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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 | $130,390 | $54,763+138.1% | $90,324+44.4% | $72,976+78.7% |
| Participation rate | 82.2% | 65.2%+17.1pp | 73.3%+8.9pp | 69.5%+12.7pp |
| Annual return | 16.11% | 30.63%-14.5pp | 78.15%-62.0pp | 81.02%-64.9pp |
| Employer contribution / active EE | $2,466 | $2,093+17.8% | $2,856-13.7% | $2,440+1.1% |
| Participant deferral / active EE | $5,333 | $2,887+84.7% | $3,885+37.3% | $3,608+47.8% |
| Admin fee / account holder | $10,512 | $3,973+164.5% | $5,356+96.3% | $5,124+105.1% |