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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 | $145,940 | $91,198+60.0% | $178,503-18.2% | $79,856+82.8% |
| Participation rate | 77.8% | 69.2%+8.6pp | 81.9%-4.2pp | 69.6%+8.1pp |
| Annual return | 7.17% | 24.20%-17.0pp | 151.12%-144.0pp | 31.71%-24.5pp |
| Employer contribution / active EE | $5,054 | $3,257+55.2% | $5,011+0.9% | $2,471+104.5% |
| Participant deferral / active EE | $4,951 | $3,237+53.0% | $5,202-4.8% | $3,741+32.4% |
| Admin fee / account holder | $15,291 | $6,748+126.6% | $13,987+9.3% | $5,306+188.2% |