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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 | $146,032 | $76,551+90.8% | $123,894+17.9% | $62,881+132.2% |
| Participation rate | 81.8% | 73.0%+8.8pp | 81.4%+0.4pp | 69.3%+12.5pp |
| Annual return | 4.36% | 18.68%-14.3pp | 47.52%-43.2pp | 20.14%-15.8pp |
| Employer contribution / active EE | $2,336 | $2,882-19.0% | $4,617-49.4% | $2,281+2.4% |
| Participant deferral / active EE | $4,276 | $4,840-11.7% | $5,984-28.5% | $3,203+33.5% |
| Admin fee / account holder | $1,475 | $4,826-69.4% | $8,357-82.4% | $4,296-65.7% |