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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 | $168,036 | $117,829+42.6% | $102,423+64.1% | $145,877+15.2% |
| Participation rate | 72.7% | 78.6%-5.9pp | 76.5%-3.8pp | 80.3%-7.6pp |
| Annual return | 5.73% | 31.83%-26.1pp | 29.42%-23.7pp | 551.28%-545.6pp |
| Employer contribution / active EE | $1,122 | $3,615-69.0% | $3,023-62.9% | $4,663-75.9% |
| Participant deferral / active EE | $3,318 | $5,732-42.1% | $5,054-34.4% | $6,691-50.4% |
| Admin fee / account holder | $1,100 | $13,335-91.7% | $9,455-88.4% | $13,402-91.8% |