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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 | $243,540 | $93,345+160.9% | $119,126+104.4% | $87,485+178.4% |
| Participation rate | 97.0% | 68.7%+28.2pp | 75.8%+21.2pp | 68.9%+28.0pp |
| Annual return | 11.12% | 19.08%-8.0pp | 282.11%-271.0pp | 26.06%-14.9pp |
| Employer contribution / active EE | $2,576 | $3,172-18.8% | $4,034-36.1% | $2,596-0.8% |
| Participant deferral / active EE | $6,500 | $4,099+58.6% | $5,318+22.2% | $4,274+52.1% |
| Admin fee / account holder | $13,130 | $8,039+63.3% | $10,693+22.8% | $7,775+68.9% |