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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 | $96,731+151.8% | $123,973+96.4% | $86,983+180.0% |
| Participation rate | 97.0% | 70.0%+27.0pp | 76.7%+20.3pp | 69.5%+27.4pp |
| Annual return | 11.12% | 17.33%-6.2pp | 388.13%-377.0pp | 25.83%-14.7pp |
| Employer contribution / active EE | $2,576 | $3,297-21.9% | $4,126-37.6% | $2,584-0.3% |
| Participant deferral / active EE | $6,500 | $4,152+56.5% | $5,247+23.9% | $4,194+55.0% |
| Admin fee / account holder | $13,130 | $8,722+50.5% | $11,799+11.3% | $7,856+67.1% |