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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 | $136,702 | $93,598+46.1% | $135,974+0.5% | $75,173+81.8% |
| Participation rate | 96.0% | 75.2%+20.8pp | 81.9%+14.1pp | 67.2%+28.8pp |
| Annual return | 13.86% | 30.89%-17.0pp | 68.30%-54.4pp | 160.72%-146.9pp |
| Employer contribution / active EE | $6,656 | $3,538+88.1% | $4,859+37.0% | $2,671+149.2% |
| Participant deferral / active EE | $14,701 | $6,405+129.5% | $7,760+89.5% | $4,126+256.3% |
| Admin fee / account holder | $2,358 | $6,978-66.2% | $10,767-78.1% | $5,651-58.3% |