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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 | $235,890 | $124,346+89.7% | $111,308+111.9% | $167,536+40.8% |
| Participation rate | 75.0% | 79.6%-4.6pp | 77.3%-2.3pp | 82.1%-7.1pp |
| Annual return | 7.67% | 37.45%-29.8pp | 54.67%-47.0pp | 478.82%-471.1pp |
| Employer contribution / active EE | $8,753 | $3,437+154.7% | $2,732+220.4% | $4,839+80.9% |
| Participant deferral / active EE | $23,625 | $5,182+355.9% | $4,487+426.5% | $6,342+272.5% |
| Admin fee / account holder | $13,619 | $10,621+28.2% | $7,965+71.0% | $12,315+10.6% |