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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 | $139,066 | $58,493+137.7% | $84,021+65.5% | $72,975+90.6% |
| Participation rate | 78.9% | 61.2%+17.7pp | 69.0%+9.9pp | 69.5%+9.5pp |
| Annual return | 11.31% | 28.93%-17.6pp | 71.32%-60.0pp | 81.01%-69.7pp |
| Employer contribution / active EE | $794 | $1,163-31.7% | $1,984-60.0% | $2,440-67.5% |
| Participant deferral / active EE | $4,423 | $2,394+84.8% | $3,239+36.5% | $3,608+22.6% |
| Admin fee / account holder | $6,881 | $4,569+50.6% | $6,102+12.8% | $5,124+34.3% |