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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 | $139,615 | $65,367+113.6% | $92,915+50.3% | $72,976+91.3% |
| Participation rate | 75.0% | 68.3%+6.7pp | 76.0%-1.0pp | 69.5%+5.5pp |
| Annual return | 14.32% | 42.11%-27.8pp | 109.45%-95.1pp | 81.02%-66.7pp |
| Employer contribution / active EE | $6,218 | $2,594+139.7% | $3,653+70.2% | $2,440+154.8% |
| Participant deferral / active EE | $9,001 | $3,128+187.7% | $4,238+112.4% | $3,608+149.5% |
| Admin fee / account holder | $23,013 | $4,251+441.3% | $5,796+297.1% | $5,124+349.1% |