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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 | $148,506 | $99,053+49.9% | $88,179+68.4% | $138,895+6.9% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.1%+30.9pp | 79.9%+20.1pp |
| Annual return | 9.69% | 78.17%-68.5pp | 64.97%-55.3pp | 145.39%-135.7pp |
| Employer contribution / active EE | $2,649 | $2,882-8.1% | $2,549+3.9% | $4,194-36.8% |
| Participant deferral / active EE | $1,976 | $5,225-62.2% | $4,614-57.2% | $6,396-69.1% |
| Admin fee / account holder | $3,832 | $8,748-56.2% | $7,673-50.1% | $12,562-69.5% |