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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 | $156,894 | $65,034+141.2% | $90,970+72.5% | $79,856+96.5% |
| Participation rate | 85.3% | 61.6%+23.7pp | 69.0%+16.3pp | 69.6%+15.7pp |
| Annual return | 6.53% | 30.45%-23.9pp | 134.60%-128.1pp | 31.71%-25.2pp |
| Employer contribution / active EE | $2,634 | $1,247+111.1% | $2,122+24.1% | $2,471+6.6% |
| Participant deferral / active EE | $5,624 | $2,512+123.9% | $3,373+66.7% | $3,741+50.3% |
| Admin fee / account holder | $344 | $4,536-92.4% | $5,961-94.2% | $5,306-93.5% |