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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 | $87,558 | $78,707+11.2% | $117,861-25.7% | $70,126+24.9% |
| Participation rate | 74.1% | 73.2%+0.9pp | 79.7%-5.6pp | 69.5%+4.5pp |
| Annual return | 9.21% | 23.30%-14.1pp | 335.11%-325.9pp | 73.15%-63.9pp |
| Employer contribution / active EE | $3,763 | $2,223+69.2% | $3,786-0.6% | $2,343+60.6% |
| Participant deferral / active EE | $3,208 | $3,297-2.7% | $4,482-28.4% | $3,332-3.7% |
| Admin fee / account holder | $8,879 | $5,066+75.3% | $8,021+10.7% | $4,645+91.1% |