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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 | $124,848 | $106,923+16.8% | $84,023+48.6% | $152,909-18.4% |
| Participation rate | 85.7% | 75.3%+10.5pp | 69.0%+16.7pp | 82.5%+3.3pp |
| Annual return | 6.61% | 105.02%-98.4pp | 71.32%-64.7pp | 345.46%-338.9pp |
| Employer contribution / active EE | $1,313 | $2,735-52.0% | $1,984-33.8% | $4,764-72.4% |
| Participant deferral / active EE | $6,219 | $4,013+55.0% | $3,239+92.0% | $5,851+6.3% |
| Admin fee / account holder | $1,905 | $8,289-77.0% | $6,102-68.8% | $11,601-83.6% |