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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 | $156,734 | $85,766+82.7% | $136,298+15.0% | $70,126+123.5% |
| Participation rate | 73.0% | 74.2%-1.2pp | 81.9%-8.9pp | 69.5%+3.4pp |
| Annual return | 12.99% | 31.46%-18.5pp | 5156.27%-5143.3pp | 73.15%-60.2pp |
| Employer contribution / active EE | $2,220 | $2,966-25.2% | $4,696-52.7% | $2,343-5.2% |
| Participant deferral / active EE | $5,718 | $5,051+13.2% | $6,247-8.5% | $3,332+71.6% |
| Admin fee / account holder | $20,520 | $5,421+278.6% | $9,244+122.0% | $4,645+341.7% |