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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 | $146,737 | $89,370+64.2% | $141,197+3.9% | $72,976+101.1% |
| Participation rate | 94.3% | 75.1%+19.2pp | 82.5%+11.8pp | 69.5%+24.8pp |
| Annual return | 18.60% | 111.88%-93.3pp | 71.41%-52.8pp | 81.02%-62.4pp |
| Employer contribution / active EE | $2,814 | $3,115-9.7% | $4,736-40.6% | $2,440+15.3% |
| Participant deferral / active EE | $6,817 | $5,419+25.8% | $6,710+1.6% | $3,608+88.9% |
| Admin fee / account holder | $2,656 | $5,957-55.4% | $10,265-74.1% | $5,124-48.2% |