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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 | $98,695 | $91,559+7.8% | $133,978-26.3% | $79,856+23.6% |
| Participation rate | 91.0% | 73.3%+17.7pp | 79.8%+11.2pp | 69.6%+21.4pp |
| Annual return | 10.03% | 61.85%-51.8pp | 45.10%-35.1pp | 31.71%-21.7pp |
| Employer contribution / active EE | $1,137 | $2,384-52.3% | $3,919-71.0% | $2,471-54.0% |
| Participant deferral / active EE | $7,396 | $3,734+98.1% | $5,047+46.5% | $3,741+97.7% |
| Admin fee / account holder | $4,726 | $6,321-25.2% | $8,930-47.1% | $5,306-10.9% |