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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 | $123,251 | $95,383+29.2% | $185,837-33.7% | $85,856+43.6% |
| Participation rate | 96.3% | 68.8%+27.5pp | 81.7%+14.6pp | 69.3%+27.0pp |
| Annual return | 10.65% | 23.59%-12.9pp | 122.08%-111.4pp | 318.58%-307.9pp |
| Employer contribution / active EE | $1,632 | $3,313-50.8% | $5,168-68.4% | $2,565-36.4% |
| Participant deferral / active EE | $3,223 | $3,423-5.9% | $5,568-42.1% | $3,952-18.5% |
| Admin fee / account holder | $8,819 | $7,213+22.3% | $16,241-45.7% | $6,261+40.9% |