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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 | $169,433 | $70,366+140.8% | $66,674+154.1% | $138,895+22.0% |
| Participation rate | 83.3% | 76.2%+7.2pp | 73.7%+9.7pp | 79.9%+3.4pp |
| Annual return | 6.56% | 386.41%-379.9pp | 321.24%-314.7pp | 145.39%-138.8pp |
| Employer contribution / active EE | $911 | $2,765-67.0% | $2,620-65.2% | $4,194-78.3% |
| Participant deferral / active EE | $5,612 | $4,374+28.3% | $4,084+37.4% | $6,396-12.3% |
| Admin fee / account holder | $1,819 | $5,262-65.4% | $5,098-64.3% | $12,562-85.5% |