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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 | $99,317 | $77,920+27.5% | $149,723-33.7% | $75,177+32.1% |
| Participation rate | 84.6% | 65.6%+19.0pp | 78.8%+5.8pp | 67.2%+17.4pp |
| Annual return | 12.94% | 31.72%-18.8pp | 134.50%-121.6pp | 160.75%-147.8pp |
| Employer contribution / active EE | $10,581 | $3,138+237.2% | $4,821+119.5% | $2,671+296.1% |
| Participant deferral / active EE | $7,727 | $3,411+126.5% | $5,682+36.0% | $4,126+87.3% |
| Admin fee / account holder | $41,443 | $5,951+596.5% | $13,215+213.6% | $5,651+633.3% |