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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 | $157,628 | $80,985+94.6% | $96,576+63.2% | $75,181+109.7% |
| Participation rate | 72.4% | 71.8%+0.6pp | 76.0%-3.6pp | 67.2%+5.2pp |
| Annual return | 11.51% | 27.05%-15.5pp | 25.87%-14.4pp | 160.69%-149.2pp |
| Employer contribution / active EE | $8,005 | $2,282+250.7% | $2,965+170.0% | $2,671+199.8% |
| Participant deferral / active EE | $5,298 | $3,929+34.9% | $4,851+9.2% | $4,126+28.4% |
| Admin fee / account holder | $12,382 | $6,719+84.3% | $8,253+50.0% | $5,650+119.2% |