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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 | $173,069 | $63,365+173.1% | $91,994+88.1% | $72,976+137.2% |
| Participation rate | 78.8% | 72.5%+6.3pp | 78.6%+0.2pp | 69.5%+9.3pp |
| Annual return | 18.37% | 35.35%-17.0pp | 69.04%-50.7pp | 81.02%-62.6pp |
| Employer contribution / active EE | $0 | $2,116-100.0% | $3,453-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $9,905 | $4,883+102.8% | $5,924+67.2% | $3,608+174.6% |
| Admin fee / account holder | $17,198 | $4,670+268.3% | $7,744+122.1% | $5,124+235.6% |