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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 | $142,591 | $94,031+51.6% | $115,768+23.2% | $82,448+72.9% |
| Participation rate | 100.0% | 70.4%+29.6pp | 74.4%+25.6pp | 68.1%+31.9pp |
| Annual return | 10.82% | 20.61%-9.8pp | 100.46%-89.6pp | 41.64%-30.8pp |
| Employer contribution / active EE | $2,798 | $2,323+20.4% | $2,940-4.8% | $2,551+9.7% |
| Participant deferral / active EE | $7,825 | $3,972+97.0% | $4,917+59.1% | $4,139+89.0% |
| Admin fee / account holder | $28,595 | $10,249+179.0% | $12,439+129.9% | $7,234+295.3% |