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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 | $182,055 | $112,729+61.5% | $98,716+84.4% | $137,256+32.6% |
| Participation rate | 84.6% | 74.2%+10.4pp | 69.3%+15.3pp | 80.0%+4.7pp |
| Annual return | 8.81% | 38.48%-29.7pp | 31.81%-23.0pp | 220.34%-211.5pp |
| Employer contribution / active EE | $1,677 | $2,725-38.5% | $2,279-26.4% | $4,156-59.6% |
| Participant deferral / active EE | $7,069 | $4,640+52.4% | $4,048+74.7% | $6,407+10.3% |
| Admin fee / account holder | $2,869 | $10,129-71.7% | $8,703-67.0% | $12,270-76.6% |