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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 | $140,571 | $176,838-20.5% | $146,685-4.2% | $167,518-16.1% |
| Participation rate | 88.9% | 83.6%+5.3pp | 80.1%+8.8pp | 82.1%+6.8pp |
| Annual return | 5.65% | 24.04%-18.4pp | 22.75%-17.1pp | 478.71%-473.1pp |
| Employer contribution / active EE | $9,394 | $5,161+82.0% | $4,137+127.1% | $4,838+94.1% |
| Participant deferral / active EE | $8,152 | $6,441+26.6% | $5,507+48.0% | $6,342+28.5% |
| Admin fee / account holder | $1,208 | $13,262-90.9% | $10,281-88.3% | $12,312-90.2% |