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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 | $149,423 | $110,212+35.6% | $96,534+54.8% | $139,466+7.1% |
| Participation rate | 93.8% | 78.1%+15.6pp | 76.0%+17.8pp | 80.3%+13.4pp |
| Annual return | 4.40% | 26.42%-22.0pp | 25.88%-21.5pp | 373.66%-369.3pp |
| Employer contribution / active EE | $16,401 | $3,620+353.1% | $2,965+453.1% | $4,754+245.0% |
| Participant deferral / active EE | $10,637 | $5,547+91.7% | $4,851+119.3% | $6,712+58.5% |
| Admin fee / account holder | $40,875 | $11,599+252.4% | $8,253+395.3% | $11,409+258.3% |