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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 | $200,813 | $113,338+77.2% | $94,993+111.4% | $147,586+36.1% |
| Participation rate | 80.0% | 78.0%+2.0pp | 73.9%+6.1pp | 82.8%-2.8pp |
| Annual return | 4.65% | 20.80%-16.1pp | 27.14%-22.5pp | 578.59%-573.9pp |
| Employer contribution / active EE | $1,068 | $3,160-66.2% | $2,603-59.0% | $4,876-78.1% |
| Participant deferral / active EE | $1,180 | $3,777-68.8% | $3,317-64.4% | $5,439-78.3% |
| Admin fee / account holder | $1,167 | $6,063-80.7% | $4,960-76.5% | $10,886-89.3% |