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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 | $151,696 | $88,672+71.1% | $105,223+44.2% | $82,448+84.0% |
| Participation rate | 81.1% | 67.9%+13.2pp | 75.0%+6.0pp | 68.1%+13.0pp |
| Annual return | 10.57% | 30.86%-20.3pp | 180.65%-170.1pp | 41.64%-31.1pp |
| Employer contribution / active EE | $1,880 | $3,048-38.3% | $3,689-49.0% | $2,551-26.3% |
| Participant deferral / active EE | $3,277 | $4,036-18.8% | $5,072-35.4% | $4,139-20.8% |
| Admin fee / account holder | $8,592 | $7,146+20.2% | $8,859-3.0% | $7,234+18.8% |