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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 | $120,243 | $71,208+68.9% | $93,681+28.4% | $80,911+48.6% |
| Participation rate | 78.6% | 60.4%+18.2pp | 68.7%+9.8pp | 67.6%+10.9pp |
| Annual return | 8.15% | 11.27%-3.1pp | 133.47%-125.3pp | 35.63%-27.5pp |
| Employer contribution / active EE | $1,969 | $1,564+25.8% | $2,422-18.7% | $2,756-28.6% |
| Participant deferral / active EE | $6,128 | $4,035+51.9% | $4,415+38.8% | $4,297+42.6% |
| Admin fee / account holder | $16,572 | $6,951+138.4% | $8,290+99.9% | $6,935+139.0% |