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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 | $159,002 | $64,359+147.1% | $90,161+76.4% | $70,126+126.7% |
| Participation rate | 87.1% | 70.4%+16.7pp | 76.9%+10.2pp | 69.5%+17.6pp |
| Annual return | 13.24% | 28.13%-14.9pp | 34.89%-21.6pp | 73.15%-59.9pp |
| Employer contribution / active EE | $0 | $2,046-100.0% | $3,318-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $8,626 | $4,389+96.5% | $5,287+63.2% | $3,332+158.9% |
| Admin fee / account holder | $9,534 | $3,945+141.7% | $5,943+60.4% | $4,645+105.2% |