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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 | $186,452 | $93,617+99.2% | $135,982+37.1% | $75,177+148.0% |
| Participation rate | 100.0% | 75.2%+24.8pp | 81.9%+18.1pp | 67.2%+32.8pp |
| Annual return | 9.79% | 30.89%-21.1pp | 68.32%-58.5pp | 160.75%-151.0pp |
| Employer contribution / active EE | $6,138 | $3,538+73.5% | $4,859+26.3% | $2,671+129.8% |
| Participant deferral / active EE | $12,289 | $6,406+91.8% | $7,760+58.4% | $4,126+197.8% |
| Admin fee / account holder | $2,696 | $6,980-61.4% | $10,767-75.0% | $5,651-52.3% |